What is Uninsured Motorist coverage?
The coverage in your automobile insurance policy under which your insurance company will pay you, your passengers or permissive drivers, the amount the insured is entitled to recover for injuries caused by an uninsured motorist. This coverage applies to Bodily Injury losses only, up to the policy limits. Your policy may provide coverage if you are a pedestrian and are injured by an uninsured motorist. Be sure to refer to the "Uninsured Motorist" section of your policy booklet. By law in Texas, insurance companies must offer this coverage and get a written rejection from you if you refuse this coverage.