Overview
Texas's 30/60/25 minimum often isn't enough to pay for a serious injury. UIM coverage fills the gap between the at-fault driver's policy limit and your actual damages, up to the UIM limit you select.
Key benefits
- Pays the difference when the at-fault driver's limits are exhausted
- Protects against drivers carrying state-minimum coverage
- Affordable add-on to UM coverage
Real-world examples
Serious injury claim
Your medical bills total $80,000. The at-fault driver carried only $30,000 in bodily injury liability. Your UIM coverage pays the remaining $50,000 up to your limit.
Related coverages
Required by Texas law – covers the other driver when you're at fault.
Liability + collision + comprehensive – the package most lenders require.
Repairs your vehicle after a crash – regardless of who's at fault.
Protects against theft, hail, vandalism, and animal strikes.
Underinsured Motorist Coverage (UIM) is one piece of a complete Texas policy. See how it fits alongside every other coverage in our El Paso auto insurance guide, or compare rates for your neighborhood on our local coverage pages.