What is the law on uninsured motorist coverage?

In Texas, uninsured motorist coverage is required by law if you purchase car insurance. This kind of coverage, also known as UIM, will help you pay for medical bills, lost wages, and other costs if you are involved in an accident with a driver who does not have car insurance. Uninsured motorist coverage in Texas is offered as part of a group of car insurance coverage types, and you must carry at least the minimum amount of this coverage in order to be legally insured. In Texas, the minimum amount of UIM coverage is $25,000 per person and $50,000 per accident. It is important to understand that UIM coverage will only pay for damages and costs if you are an insured driver in an accident with an uninsured driver. If you are the uninsured driver, UIM coverage will not provide any benefits. It is highly recommended that you purchase more than the minimum valid amount of UIM coverage in Texas. The more coverage you have, the more costs you can recover if you are injured in an accident with an uninsured driver. You can also purchase additional coverage, such as underinsured motorist coverage, to help you pay any costs that exceed your UIM limits.

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What is the law on uninsured motorist coverage?

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