Let’s be honest—nobody likes to think about car accidents. But in Texas, where we have more roads than any other state and drivers from all walks of life, it’s better to be prepared than surprised. That’s where Uninsured/Underinsured Motorist Coverage (UM/UIM) steps in. At Regal Insurance, we’ve seen firsthand how this type of coverage can make a world of difference—and today, we’re breaking it all down for you.
Why It Matters in Texas
Here’s a stat that might shock you: 1 in 8 drivers in Texas is uninsured. That means if you’re involved in an accident, there’s a decent chance the other driver won’t have any insurance at all—or won’t have enough to cover your medical bills and vehicle repairs. Even if you’ve already found the best car insurance in Texas, that doesn’t always protect you from what someone else doesn’t have.
That’s why Regal Insurance, your trusted local insurance agency in TX, recommends UM/UIM coverage to nearly every driver we meet. It’s like having a financial safety net, and in this state, that net is essential.
What Is UM/UIM Coverage, Anyway?
Let’s simplify it:
- Uninsured Motorist Coverage (UM): Covers you when the other driver has no insurance.
- Underinsured Motorist Coverage (UIM): Kicks in when the other driver has insurance, but it’s not enough to cover your expenses.
Imagine you’re hit by someone who only has the minimum liability coverage required in Texas—$30,000 for injuries per person. But your medical bills are $50,000. Without UIM, you’re on the hook for the extra $20,000. With it? You’re covered.
Real-Life Story: A Close Call in Dallas
One of our clients, Amanda from Dallas, was T-boned at a four-way stop. The other driver had zero insurance. She was rushed to the ER with multiple fractures. Her car was totaled. The bills started stacking up fast.
Thankfully, Amanda had taken our advice and added UM/UIM to her auto insurance Texas policy. Her coverage kicked in immediately—paying for her hospital stay, physical therapy, and even helping her replace her car. That’s the kind of peace of mind we’re talking about.
Is It Expensive?
Nope. That’s the beauty of it.
At Regal Insurance, we specialize in finding the cheapest car insurance in Texas without sacrificing quality. UM/UIM coverage adds only a small bump to your premium, but offers massive protection. It’s one of the most affordable add-ons you can make to your policy.
We get it—everyone’s looking for affordable insurance in Texas, and we’re here to help you strike the perfect balance between cost and coverage. Think of it this way: Would you rather pay an extra $10 a month or get hit with $30,000 in medical bills?
Bundling Tip: More Than Just Car Insurance
You might be surprised to know that Regal Insurance does more than just car insurance in Texas. If you’re also looking for health insurance in Texas or want the best full coverage car insurance in Texas, we’ve got you covered.
Our team works closely with every client to find custom solutions. We compare policies, look for discounts, and bundle plans to make sure you’re getting the best insurance rates in Texas. No cookie-cutter solutions here—just real people helping real people.
Working with a Regal Insurance agent, Sarah was able to adjust her coverage to suit her needs. She didn’t need collision or comprehensive coverage for her older car, so she decided to go with liability insurance and uninsured motorist coverage. By increasing her deductible, she was able to lower her monthly premiums even further. Additionally, since she had a clean driving record, Sarah qualified for a safe driver discount.
In the end, Sarah walked away with a cheap car insurance policy that fit her budget and provided the coverage she needed. She was able to save money without sacrificing protection, all thanks to comparing quotes and working with Regal Insurance.
What Should You Do Next?
If you’re unsure whether you have UM/UIM coverage, call us. Like, seriously—right now. We’ve had so many folks come in thinking they’re fully covered, only to find out their policy doesn’t include it.
We’ll do a free policy review (no strings attached), walk you through your options, and show you how to get the best car insurance in Texas without draining your wallet.
And if you’re new to the state, or just shopping around, we’d love to show you why Regal Insurance is known for being the go-to local insurance agency in TX. Friendly service, honest advice, and coverage that actually works when you need it most.
Final Thoughts
Accidents happen. And while we can’t control what other drivers do, we can control how protected we are. Adding Uninsured/Underinsured Motorist Coverage to your policy is one of the smartest, most affordable moves you can make when shopping for auto insurance in Texas.
At Regal Insurance, we’re more than just an agency—we’re your neighbor, your advocate, and your personal guide through the world of insurance in Texas. Whether you’re looking foraffordable insurance in Texas, health insurance, or the best full coverage car insurance in Texas, we’re here for you every mile of the journey.
Ready to review your coverage?
Visit regalinsurancetx.com or give us a call today. Let Regal Insurance help you find the best insurance rates in Texas—and the peace of mind that comes with them.