Texas Insurance Code §1952.101
Spanish: Código de Seguros de Texas §1952.101 (UM/UIM)
Texas Insurance Code §1952.101 is the statute that requires every Texas auto insurance carrier to offer Uninsured / Underinsured Motorist (UM/UIM) coverage at limits at least equal to the Texas minimum 30/60/25.
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Definition
Texas Insurance Code §1952.101 is the statute that requires every Texas auto insurance carrier to offer Uninsured / Underinsured Motorist (UM/UIM) coverage at limits at least equal to the Texas minimum 30/60/25. The driver must reject UM/UIM in writing to opt out — silence is not rejection. About 1 in 7 Texas drivers (14.5% in the Insurance Research Council's 2023 estimate) is uninsured, which makes UM/UIM an essential consumer protection.
Primary source: statutes.capitol.texas.gov/Docs/IN/htm/IN.1952.htm
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