100% Free Consultations
Call Us Now
Pros and Cons of Uninsured/Underinsured Motorist Coverage
February 28, 2024

Pros and Cons of Uninsured/Underinsured Motorist Coverage

By Jim Adler
February 28, 2024 • 3 min read

Driving in Texas can be unpredictable. Even the most responsible drivers face the risk of accidents caused by others.

Unfortunately, a significant number of Texas motorists either lack insurance altogether or carry inadequate coverage. This is where uninsured/underinsured motorist coverage (UM/UIM) comes in, offering a crucial layer of financial protection when tragedy strikes.

This article will dive into the pros and cons of UM/UIM insurance in Texas, providing you with the information you need to make an informed decision about your coverage.

Understanding UM/UIM Coverage

Pros of UM/UIM Coverage in Texas

Cons of UM/UIM Coverage in Texas

Practical Considerations


Insurance companies must offer uninsured motorist coverage when you buy auto insurance. If you don’t want it, you have to turn it down in writing.

More information: https://www.tdi.texas.gov/tips/uninsured-motorist-coverage.html

Assuming the other driver didn’t have insurance or enough insurance to cover your injuries and/or damages to your vehicle, or drove away from the scene, you will need to file a claim. Simply call your insurance company to report the accident, get the name and phone number of the adjuster assigned to your claim, and if you went to a doctor, keep all medical records and bills to show your insurance company.

For more information: https://www.tdi.texas.gov/tips/what-to-do-after-a-wreck.html

If the other driver’s insurance company will not pay the full amount or refuses to pay, file a claim with your insurance company. Your insurance will try to recover the money, including your deductible, from the other driver’s insurance and give your deductible back.

For more information: https://www.tdi.texas.gov/tips/what-to-do-after-a-wreck.html

Contact the Car Accident Lawyers at Jim Adler & Associates For Help Today.

UM/UIM coverage is a smart investment for most Texas drivers. While it adds to your insurance costs, the potential benefits far outweigh them when you consider the financial devastation an uninsured or underinsured driver can cause. Review your current auto insurance policy or speak with an insurance expert to ensure you have the protection you need.

Don’t gamble with your financial future. If you’ve been injured in an accident caused by an uninsured or underinsured driver, contact a personal injury lawyer for a free consultation to discuss your options.

About Jim Adler

Jim Adler, also known as The Texas Hammer®, is an American trial attorney and owner of Jim Adler & Associates. He has been practicing law in Texas in the area of personal injury for 54 years.

Jim Adler graduated from the University of Texas School of Law where he received his Juris Doctor degree (J.D.) in 1967.

Jim Adler is a member of the State Bar of Texas, American Bar Association (ABA) and American Trial Lawyers Association. He is licensed to practice in the United States Court of Appeals for the Fifth Circuit and U.S. District Courts of Texas. Read More

Free Case Review

Line decoration
Over 50 years of experience. If we don't win, you don't pay.

    Call Now Button