What “Uninsured and Underinsured Motorist Coverage (UM/UIM)” Means
UM/UIM is your own policy’s protection when the at-fault driver has no insurance (UM) or not enough (UIM) — covering your injuries and, with UMPD, property damage. Texas insurers must offer it; you carry it unless rejected in writing, and roughly one in five Texas drivers is estimated to be uninsured.
Why It Matters in Your Texas Case
UM/UIM is coverage you bought for exactly the bad day you’re having, and using it is not disloyalty — though your own carrier may suddenly negotiate like an opponent, because in a UM/UIM claim, it is one. Texas law requires proving the other driver’s fault and your damages to your own insurer, and recent Texas procedure allows these disputes to be litigated efficiently. McKay Law handles UM/UIM claims constantly, including stacking questions and bad-faith responses when carriers slow-walk their own insureds. Lindsey covers the essentials in the firm’s UIM video.
Related Terms
← Back to the full Glossary of Terms
Questions About How This Applies to You?
Definitions inform; conversations resolve. If “uninsured and underinsured motorist coverage (um/uim)” touches your situation, the free consultation puts it in context — your facts, your deadlines, your options: (903) INJURED, 24/7, English or Spanish, no fee unless we win.