Uninsured motorist coverage is used for when you are in a car accident and the other driver is at fault and they do not have insurance. The uninsured motorist coverage can help cover any injuries to you or damage to your vehicle.
Underinsured motorist coverage can help when you are in a situation when you are hit by another driver and they are at fault and you are injured so badly that their insurance coverage is not enough to cover your medical expenses. In that situation, your underinsured motorist coverage would kick in.
It's important to take the time to understand your auto insurance policy. For a better understanding of auto insurance in texas, read our free book, Buying Car Insurance.