You Need Uninsured/Underinsured Motorist (UM/UIM) Coverage in Texas

January 11, 2025


In Texas, approximately 13.8% of drivers are uninsured, meaning about one in seven drivers lacks insurance coverage. Without proper protection, you could face serious financial consequences if you’re in an accident with an uninsured driver.

ar accident on Texas roads highlighting the importance of UM/UIM coverage for uninsured drivers.

What Is Uninsured/Underinsured Motorist (UM/UIM) Coverage? 


Uninsured/Underinsured Motorist (UM/UIM) coverage is a type of insurance that protects you when you’re involved in an accident caused by a driver who has little or no insurance. This coverage steps in to cover expenses such as:


• Medical bills.

• Vehicle repairs.

• Lost wages.


Even though it’s essential, many people don’t have UM/UIM coverage because it’s not automatically included in most policies.


Why UM/UIM Coverage Is Overlooked


Many insurance agents try to sell policies at the lowest possible cost, excluding “extras” like UM/UIM coverage to keep premiums competitive. However, agents may not understand the legal and financial risks of driving without UM/UIM protection. If you’re hit by an uninsured driver, you’ll be left paying for the damages unless you have this critical coverage.


What Are the Risks of Not Having UM/UIM Insurance?


Imagine being in an accident with an uninsured driver. Without UM/UIM insurance, you could face out-of-pocket expenses for:


• Medical treatment.

• Car repairs or replacement.

• Other damages, like lost wages or pain and suffering.


With 13.8% of Texas drivers uninsured, the likelihood of this happening is higher than you might think. UM/UIM coverage provides peace of mind and financial security in these situations.


How Much Does UM/UIM Insurance Cost?


The good news is that UM/UIM coverage is affordable. In Texas, the average cost for uninsured motorist coverage is just $136 per year, which breaks down to about $11 per month.  Considering the protection it offers, this is a small price to pay for financial security.


The Legal Benefits of UM/UIM Coverage


Not having UM/UIM insurance can leave you vulnerable to significant legal and financial challenges. This coverage ensures that you are not forced to take legal action against an uninsured driver to recover damages. Instead, your insurance steps in to handle the situation.


Conclusion: Protect Yourself with UM/UIM Coverage


While it’s tempting to choose the cheapest auto insurance policy, it’s essential to understand the long-term risks of driving without UM/UIM coverage. For a modest additional cost, you gain protection against uninsured and underinsured drivers, ensuring your financial security and peace of mind.

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