So uninsured and underinsured motorist coverage in the state of Texas is something everybody has on their policy. Uninsured coverage means let’s say somebody has hit you it’s a hit and run and your insurance company would step in and pay the damages that that person owes. Underinsured coverage means let’s say that you’re hurt and hurt really bad and the person that hits you has let’s say a $330,000 policy and your damages are really let’s say $100,000 or 500,000. Your insurance company would have to step in and pay the damages over and above the $330,000 that the wrongdoer has so it protects you.
