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Texas insurance glossary

Uninsured motorist

Uninsured motorist coverage pays the insured for injury and damage caused by a driver who has no liability insurance, or by a hit-and-run driver who is never identified.

Sources checked

Texas Insurance Code § 1952.101 requires an insurer to offer it, and it goes onto the policy unless a named insured rejects it in writing. That written rejection is why a driver who does not remember declining it may well still have it.

It stands in for the coverage the other driver should have carried, which means its limits are the insured’s own choice rather than a stranger’s.

Texas still carries a substantial uninsured population, which the state measures through TexasSure. Choosing limits is the auto insurance page.

Sources: Tex. Ins. Code § 1952.101 — uninsured and underinsured motorist coverage; TDI — automobile insurance guide (CB020). Verified .

A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .

See also

  • Underinsured motorist Underinsured motorist coverage pays the insured when the at-fault driver does carry liability insurance but does not carry enough of it to cover the loss.
  • TexasSure TexasSure is the state vehicle insurance verification program, which matches registered Texas vehicles against insurance policy data reported by carriers.
  • Liability coverage Liability coverage is the part of an auto policy that pays other people for injury or damage the insured driver causes; it repairs nothing belonging to the insured.
  • 30/60/25 30/60/25 is the shorthand for the minimum auto liability limits Texas requires: $30,000 for one injured person, $60,000 for a crash, and $25,000 for property damage.

Where this is handled

Knowing what a coverage is called is not the same as knowing what is on your policy. One independent agency can read your declarations page with you and compare the markets that will write your record.

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