Unfortunately, nearly 1 out of 5 vehicles on our Texas roadways are uninsured. If you are involved in a car wreck with an uninsured vehicle, then your might have to make an uninsured motorist claim on your own policy. This would also be true if you get into a “hit and run” accident.
Even if the other vehicle had insurance, but the insurance is not enough to cover your losses, then you can also make a claim for Under-insured Motorist on your onw policy.
Therefore, it is always smart to carry the right types of insurance coverage just in case you need it.