Having uninsured/underinsured motorist coverage is important to protect yourself. While it is undoubtedly annoying to pay extra every month at the off chance that the other driver may not be insured or may be underinsured, it is worth protecting yourself in the long run.
Here is how it works in Texas – if your claim is a total of $100,000 and the other driver has insurance for a total of $60,000, then your insurance company will be responsible for the outstanding $40,000 provided that you meet all the requirements to receive the payment under your specific plan.
Insurance matters, however, can sometimes be extremely complicated and if your particular situation seems to be so then it is best to consult an attorney before proceeding with any claims.
