Uninsured / Underinsured Motorist
Spanish: Cobertura UM/UIM (Conductor Sin Aseguranza o Con Aseguranza Insuficiente)
Uninsured / Underinsured Motorist Coverage (UM/UIM), called cobertura UM/UIM in Spanish, is auto insurance that pays the insured driver's medical bills, lost wages, and property damage when the at-fault driver has no insurance or inadequate coverage.
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Definition
Uninsured / Underinsured Motorist Coverage (UM/UIM), called cobertura UM/UIM in Spanish, is auto insurance that pays the insured driver's medical bills, lost wages, and property damage when the at-fault driver has no insurance or inadequate coverage. Under Texas Insurance Code §1952.101, every auto policy must offer UM/UIM, and drivers must reject it in writing to opt out. About 1 in 7 Texas drivers (14.5% in the Insurance Research Council's 2023 estimate) is uninsured — making UM/UIM essential.
Primary source: statutes.capitol.texas.gov/Docs/IN/htm/IN.1952.htm
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