Texas law does not require uninsured/underinsured motorist (UM/UIM) coverage, but insurers must offer it and you must reject it in writing. Roughly 14% of Texas drivers are uninsured, and many more carry only minimum limits.
Why it matters in El Paso
- Pays your medical bills and vehicle damage if hit by an uninsured driver
- Covers hit-and-run accidents
- Fills the gap when an at-fault driver's limits are too low
- Cheap — typically $10–$25 per month for meaningful limits
Frequently asked questions
Is UM coverage required in Texas?
No, but it must be offered and rejected in writing.
How much UM coverage should I carry?
Match your liability limits — typically 100/300.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.