Every driver on the road is required to carry a minimum amount of auto insurance to cover the cost of any accidents they cause. Unfortunately, not everyone follows the rules, which means you could be left paying out of your own pocket if you’re hit by a driver who doesn’t have enough insurance. This is where uninsured or underinsured motorist coverage comes in—to cover the cost of your personal injuries and property damage.

What Is Underinsured Motorist Coverage?

In Texas, drivers are required to have at least $60,000 in liability injury insurance and $25,000 in property damage coverage, which should be enough to cover most minor accidents.

However, a serious crash can result in hundreds of thousands of dollars in medical expenses, especially if you require long-term care. If the driver who caused the collision only has the minimum insurance, you could be expected to pay the rest of your medical bills yourself.

While you can pursue personal injury compensation from the other driver, pressing a legal case can take over a year. Underinsured motorist coverage fills the gap between your expenses and the other driver’s liability limits to get you the funds you need immediately. Once the other driver’s auto insurance company pays the maximum, your insurer will step in to cover the rest, up to the limits of your policy.

What Is Uninsured Motorist Coverage?

Texas law also requires auto insurance companies to offer you uninsured motorist coverage. If you’re in an accident caused by someone driving without insurance, this policy can spare you from shouldering the burden of these expenses. Coverage for bodily injury and property damage may be listed separately, but most people should consider purchasing both for maximum protection.
 

As one of San Marcos, TX’s leading independent insurance agencies, Integrity Insurance Solutions offers tailored policies from a variety of industry-leading carriers. Their experienced agents take the time to provide one-on-one service to every customer. Visit their website for more on their wide range of products, follow their Twitter for more insurance tips, or call (512) 396-2211 to request a quote.