Uninsured Motorist Coverage

You are not required to purchase Texas and Nevada Uninsured/Underinsured Motorist coverage. However, it is considered so important that when you purchase Minimum Liability auto insurance, you have to specifically reject this coverage IN WRITING to not purchase it.

Uninsured Motorist Coverage

If you are in an accident caused by an individual who does not have auto insurance, uninsured motorist coverage in Texas and Nevada provides coverage for injuries to you and your passengers. (Uninsured Motorist Property Damage coverage, which covers the damage to your vehicle, is purchased less often.)

Underinsured Motorist Coverage

This coverage is different from uninsured motorist coverage. It covers injuries to you and your passengers in the event that someone whose auto insurance policy does not cover your expenses hits your vehicle. In this case, your insurance company covers the expenses that exceed the limits of the other driver’s policy. (Underinsured Motorist Property Damage coverage, which covers the damage to your vehicle, is purchased less often.)