Under-insured motorist coverage operates a little differently than uninsured motorist coverage. Under this insurance, which is purchased at the same time and included with your uninsured motorist coverage, simply means that if the at-fault driver has insurance but it is not enough to cover all of your damages for pain and suffering, emotional distress, lost of wages, and medical bills, you can recover the difference between your damages and the at-fault driver’s lower insurance. Under-insurance coverage works in the following way: If you get into an accident and you have uninsured/ under-insurance coverage, lets say for $50k, but the at-fault driver only has $15k of coverage, the under-insurance coverage allows you to recover the difference between your under-insurance coverage ($50k) and the $15k that the at-fault driver has. Therefore, under these circumstances, your net additional benefit that you would be entitled to is $35k. Uninsured/under-insured coverage is probably that most important insurance you can purchase, and is relatively inexpensive.

Texas is known to be one of the highest states for drivers that are uninsured and don’t carry liability insurance. When an accident occurs and the at-fault driver is uninsured, you may not be able to get compensation for any damages, which includes pain, suffering, or damage to your vehicle. However, there is insurance coverage called uninsured motorist protection. If you buy this particular coverage from your insurance company, this means you can either recover damages for your physical injuries or the property damage from your own insurance company.