Uninsured Coverage, Am I Fully Covered? How many times do you hear someone claiming that they have “Full-Coverage”? There’s a different type of coverage that you could add to what is required for you to have under Texas Law. Having the bare minimum coverage required for you to drive on Texas Road is hardly ever enough for anyone to claim that they are fully covered.
If you have a car wreck with another driver that has no insurance or does not have enough insurance to cover the bills for the injuries you’ve suffered, you can file an uninsured or underinsured claim with your insurance. At the time that you bought coverage, you would have made the decision on whether this was the kind of insurance that you needed. Having underinsured and uninsured coverage will allow you to make a claim with your own insurance when the other driver has failed to meet his or her responsibility to have at least minimum limits coverage.