Liability insurance is required in the state of Texas. However, uninsured/underinsured motorist coverage is additional coverage. Other additional coverages that can be purchased include personal injury protection (PIP), rental reimbursement, and medical payments.
According to the Texas Department of Insurance’s regulations for automobile insurance, UM and UIM coverage carries an automatic $250 deductible. A deductible is what you have to pay before the insurance company will agree to pay for the remainder of the damages. It is important to note that the deductible must be paid in order to receive property damage coverage under this type of insurance. Paying the deductible is not required to receive bodily injury coverage.
In Texas, UM and UIM coverage, depending on the limits you have chosen, must have the ability to cover medical bills, lost wages, pain and suffering, disfigurement, and permanent/partial disability in addition to property damages such as automobile repairs, rental car costs and coverage for damage to additional items in your car at the time of the accident.