29 June 2026 - Posted by Monsour Law Firm
When another driver causes a crash in Texas and has no insurance, the injured person is left to figure out how to cover their own losses. Medical bills, lost wages, and vehicle damage do not disappear because the at-fault driver cannot pay. Uninsured motorist coverage exists specifically for that gap, and the question of why uninsured motorist coverage is important becomes clear the moment a driver who caused a crash cannot pay for the damage. Monsour Law Firm represents injured Texans dealing with exactly this problem, where fault is not in dispute but the path to recovery is.
Most drivers assume that if someone else causes a crash, that person’s insurance will cover the damage. That assumption breaks down the moment the at-fault driver has no policy, carries insufficient limits to cover your losses, or cannot be identified after a hit-and-run. Two types of coverage address these scenarios:
Together, they allow your own auto policy to pay for losses the other driver’s coverage cannot.
The Texas Department of Insurance auto insurance guide makes the offer requirement clear: insurers must offer UM/UIM coverage to every Texas driver who buys auto insurance, and anyone who does not want it must decline in writing.
According to the Texas Department of Insurance auto insurance guide, Texas sets the floor at $30,000 per person and $60,000 per accident in bodily injury liability coverage, the portion of a policy that pays for other people’s injuries when a driver causes a crash. A single emergency room visit, imaging, and surgery can clear that ceiling before a patient leaves the hospital. When the at-fault driver’s liability insurance is exhausted, you are left holding the remaining balance, unless your own UM/UIM coverage steps in.
The risk does not stop with drivers who have no insurance at all. Under Texas Insurance Code § 1952.102, a vehicle can be treated as uninsured even when it technically has a policy, if the insurance company behind that policy is insolvent and cannot pay.
Roughly one in seven drivers on American roads carries no liability insurance at all. In a hit-and-run, there may be no at-fault driver to identify, let alone pursue for damages. These two scenarios share the same outcome for the injured person: no one else to turn to for compensation. Reporting the crash to police matters more than many people realize. The Texas Department of Insurance auto insurance guide states that UM/UIM coverage will not pay a hit-and-run claim if the accident was not reported to law enforcement.
The financial consequences do not wait for fault to be resolved. Without UM/UIM coverage, the injured person absorbs all of it.
Medical bills are the most obvious loss after a crash, but UM/UIM coverage can go further than that. Depending on the policy terms and the nature of the injuries, it may help address a range of losses, including:
The scope of what a UM/UIM policy covers depends on the coverage selected and the specific facts of the crash. Our attorneys can help you understand what your policy includes and whether the coverage available is enough to account for everything you have lost.
If another driver caused your crash and had no insurance, not enough insurance, or left the scene, understanding why uninsured motorist coverage is important is only part of the picture. Monsour Law Firm can help you evaluate your policy, understand your options, and pursue the full recovery your situation calls for. Call us today at (903) 999-9999 for a free consultation. We only charge a fee if we recover for you.
Douglas C. Monsour, or Doug Monsour, is a trial lawyer who handles important and significant injury cases in Texas and across the nation. He is one of a handful of trial lawyers who have successfully tried multiple pharmaceutical, medical device, and mass tort product liability cases as the lead lawyer. He also vigorously represents injured oil field workers, victims of 18-wheeler wrecks, industrial accident victims, and those that have been severely burned.
This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by Founding Partner, Doug Monsour who has more than 20 years of legal experience as a personal injury attorney.
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