Overview
Uninsured motorist coverage pays for your injuries and (if you elect property damage UM) your vehicle damage when an at-fault driver has no insurance — including hit-and-run drivers. Given how common uninsured drivers are in El Paso, this is one of the highest-value coverages you can carry.
Key benefits
- Covers medical bills caused by uninsured drivers
- Covers lost wages and pain and suffering
- Includes hit-and-run incidents
- Property damage variant repairs your vehicle
Real-world examples
Hit-and-run on Loop 375
A driver sideswipes you and disappears. UM bodily injury covers your medical care and UMPD covers vehicle repair.
Related coverages
Liability Insurance
Required by Texas law — covers the other driver when you're at fault.
Full Coverage Insurance
Liability + collision + comprehensive — the package most lenders require.
Collision Coverage
Repairs your vehicle after a crash — regardless of who's at fault.
Comprehensive Coverage
Protects against theft, hail, vandalism, and animal strikes.