Airbags might save your life, but UM/UIM insurance can really save your skin!
Your uninsured/underinsured provision can’t exceed your liability coverage, so a base 30/60 policy will set the same cap for UM/UIM protection. If that’s all your budget can handle, at least be sure to include the UM/UIM component…but we recommend purchasing at least $50K of protection, and $100K or more if possible.
This protection costs a little more, but it’s worth every penny for the peace of mind that comes from knowing your financial health won’t depend on someone else’s choices. It can also protect you against damages caused by hit-and-run drivers.
The good news is that you likely already carry some level of UM/UIM coverage. Texas insurers must include it in your policy unless you specifically opt-out in writing (like PIP provisions discussed previously).
The less good news is that without enough UM/UIM protection, you could still be stuck with bills that weren’t your fault.