Question 1

Will my insurance rates go up if I file a UM/UIM claim?

Accepted Answer

Under Texas law, your insurance company cannot raise your rates for filing a UM/UIM claim for an accident that was not your fault.

Question 2

Do I have to have this coverage?

Accepted Answer

No, you can reject it in writing. However, with so many uninsured drivers in Texas, it is one of the most important coverages you can have to protect yourself and your family. We strongly recommend everyone carry as much UM/UIM coverage as they can afford.

Question 3

How do I prove a hit-and-run?

Accepted Answer

Proving a hit-and-run can be tricky. This is where evidence like witness statements, photos of the scene, and any video footage is critical. You must also show that there was physical contact between the phantom vehicle and your own.

UM/UIM

What Happens If I’m Hit by an Uninsured or Underinsured Driver in Texas?

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