While it is not mandatory for Texans to have uninsured motorist coverage, it is highly recommended. About 1 in 7 cars on the road in Texas are uninsured drivers, according to the Insurance Information Institute.
What is Texas Law?
Texas law requires people who drive in Texas to pay for the accidents they cause. The current minimum liability limits are $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25 coverage. However, if you’ve been hit by an uninsured driver, the minimum amounts might not be enough to cover the entire cost of the car damage and medical bills. Purchasing more than the minimum requirement can help alleviate these costs.