WHAT IF SOMEONE WITHOUT INSURANCE HITS YOU?
LEARN ABOUT UM/UIM COVERAGE
UM/UIM is uninsured/underinsured motorist protection. It covers you when you are not at fault, but the other driver cannot respond, it applies to both your medical expenses and bodily injuries.
WHY IS UM/UIM A GOOD IDEA?
- You do not pay a deductible for injuries
Your coverage covers you without you having to pay out of pocket. - It does not affect your claims history
So your insurance does not go up for something that was not your fault. - You avoid using Collision
UM/UIM can cover you without affecting your record and premium.
IMPORTANT: THERE ARE CASES WHERE YOU DO NEED TO PAY A DEDUCTIBLE
- Car damage with UMPD (part of UM/UIM)
In Texas, this coverage includes a fixed deductible of $250, without exception. - Hit and run without clear evidence
If the other driver cannot be identified, the insurance company may not approve the use of UM/UIM. It is always best to file a police report, in addition to collecting photos, videos, and witnesses.