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Although every driver is required to be covered by auto liability insurance — insurance that covers for another driver’s expenses if you cause an automobile accident — some drivers either have no coverage, coverage that has lapsed, or coverage that will not sufficiently cover damages in the event that they cause an accident. Currently, 14% of drivers in the United States are uninsured - this means 3 out of every 20 drivers on U.S. roads have no insurance. The number can also vary from state-to-state. In Texas, for example, it is estimated that 20% of drivers (or 1 in very 5 motorists) do not have insurance.
If an uninsured or underinsured driver crashes into your vehicle and you are injured, you may be stuck with thousands of dollars in out-of-pocket expenses.
In these cases, it is vital to have uninsured or underinsured motorist coverage, sometimes referred to as UM/UIM coverage. In some states, it is required to have UM/UIM auto coverage. In other states, like Texas, by law you are afforded the opportunity to purchase UM/UIM coverage with your auto insurance policy. It is crucial to purchase this optional coverage to protect you, your passengers, and your finances.