There are some things you need to know about motor vehicle insurance:
- The minimum insurance required in Texas may not cover the full extent of injuries and damage that occurred in the motor vehicle accident.
- Purchase insurance with uninsured and underinsured motorist coverage. Also referred to as UM or UIM coverage.
- UM and UIM coverage are designed to cover your losses when the other driver does not have insurance or the other driver’s policy limits are inadequate.
- At the same time that you purchase UM and UIM coverage, you should also purchase Personal Injury Protection insurance to help cover the cost of medical bills. To learn more, please read What is PIP Protection?