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Texas Policies On Uninsured and Underinsured Drivers


When you or a loved one are involved in an accident, the last thing you want to do is deal with an insurance company. Board-certified attorney Shane R. Kadlec can explain statewide policies surrounding uninsured and underinsured drivers. During your free consultation, he can also determine whether you can pursue compensation for your injuries. To learn more about accidents involving uninsured or underinsured drivers, contact our office online or call us at ​(281) 643-2000.

A man and woman exchanging information after an accident
An attorney can help you get compensated for your injuries, even if the other driver is uninsured or underinsured. 

Statewide Insurance Coverage Regulations 

Getting into an accident with an uninsured or underinsured motorist can be extremely frustrating, especially if there was significant damage done to your car or there were injuries to the driver or passengers.

Texas has strict laws when it comes to auto insurance. Texas is a “fault” state, meaning that drivers must carry liability insurance to pay for bodily injury and property damage resulting from accidents they cause. The current statutory minimums for liability are:

  • $30,000 for each injured person, up to a total of $60,000 per accident
  • $25,000 for property damage per accident

But even though it’s the law, not every driver purchases insurance, and some lose coverage by failing to make premium payments in a timely manner.

Texas is a “fault” state, meaning that drivers must carry liability insurance to pay for bodily injury and property damage resulting from accidents they cause.

Texas does not require drivers to carry uninsured/underinsured motorist coverage. This type of insurance provides protection in the event of an accident where the at-fault driver does not have liability insurance. Unfortunately, policyholders with uninsured motorist coverage often end up in disputes with their own insurers instead of the other drivers’.

Speak to an Attorney Today 

Mr. Kadlec offers free consultations for car accident victims. To discuss insurance coverage regulations with a board-certified attorney who can determine whether you have a case, contact our team online or call us at (281) 643-2000.

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"Shane showed genuine concern about my well-being. He not only gave me excellent legal service, he did so with compassion and integrity."

--Tracy

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Houston Office

403 Heights Blvd
Houston, TX 77007

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