The additional cost is negligible and the cost of not having it when you need it is high. If you do not have personal injury protection you should probably have that too. In my state, Texas, you have both of these policies automatically unless you reject them in writing. Most insurers will send you a form when you buy your insurance. If you want the marginally lower premium of a liability only policy you have to mail the form in.
Most driver do.
Many end up wishing that they had not when they get hit by an uninsured or underinsured driver. Ask an expert or become an expert . Click here for details on our Full Disclaimer and Terms of Service. Click here for Provisions Specifically for Attorneys.