{"id":8474,"date":"2026-05-20T11:01:33","date_gmt":"2026-05-20T16:01:33","guid":{"rendered":"https:\/\/www.libertyautoinsurancellc.com\/?p=8474"},"modified":"2026-05-20T11:01:33","modified_gmt":"2026-05-20T16:01:33","slug":"who-is-considered-an-underinsured-uninsured-motorist","status":"publish","type":"post","link":"https:\/\/www.libertyautoinsurancellc.com\/es\/blog\/who-is-considered-an-underinsured-uninsured-motorist\/","title":{"rendered":"Who Is Considered an Underinsured\/Uninsured Motorist?\u00a0"},"content":{"rendered":"<p>If you are involved in a crash with a driver who has no\u00a0<a href=\"https:\/\/www.libertyautoinsurancellc.com\/coverage\/auto-insurance\/\">auto\u00a0insurance<\/a>\u00a0or low limits, you may\u00a0be responsible for\u00a0much of the cost. Liberty Auto Insurance can help\u00a0Texas\u00a0drivers find coverage that can address this risk.<\/p>\n<h2>Defining Underinsured and Uninsured Motorists<\/h2>\n<p>An\u00a0<b>uninsured motorist<\/b>\u00a0is someone who drives without auto liability insurance, despite the law requiring it. If\u00a0you\u2019re\u00a0hit by an uninsured driver, you may pay out of pocket for losses. An\u00a0<b>underinsured motorist<\/b>, on the other hand, is a driver whose liability policy limits may not be high enough to pay all injury or damage costs after a crash.<\/p>\n<h2>Why This Matters for Drivers<\/h2>\n<p>Collisions with uninsured or underinsured drivers may result in bills your standard policy does not fully cover. Uninsured\/underinsured motorist (UM\/UIM) coverage may help with:<\/p>\n<ul>\n<li>Medical expenses<\/li>\n<li>Lost wages if you cannot work<\/li>\n<li>Vehicle repair or replacement costs<\/li>\n<\/ul>\n<p>Policy details can vary, so talk to your broker to learn more.<\/p>\n<h2>How Much UM\/UIM Coverage Should\u00a0Texas\u00a0Drivers Consider?<\/h2>\n<p>Texas\u00a0drivers may carry only the minimum liability limits required by law, leaving gaps after a serious crash. When you review uninsured\/underinsured motorist (UM\/UIM) coverage, consider\u00a0the following:<\/p>\n<ul>\n<li><b>Usual\u00a0driving routes:<\/b>\u00a0If you often drive on busy highways or in heavy traffic, the chance of a serious crash may be higher.<\/li>\n<li><b>Vehicle value:<\/b>\u00a0If your car is costly to repair or replace, higher limits can address more of the damage.<\/li>\n<li><b>Household income and expenses:<\/b>\u00a0Lost wages and medical bills may strain your budget if an uninsured or underinsured driver causes a crash.<\/li>\n<li><b>Existing health coverage:<\/b>\u00a0Health insurance may not address all accident-related costs, such as deductibles,\u00a0copays\u00a0or certain treatments.<\/li>\n<\/ul>\n<h2>Get\u00a0Started\u00a0Today<\/h2>\n<p><a href=\"https:\/\/www.libertyautoinsurancellc.com\/contact-us\/\">Contact Liberty Auto Insurance<\/a>\u00a0to\u00a0review your current coverage and request a free custom quote.<\/p>\n<p><i>This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are involved in a crash with a driver who has no\u00a0auto\u00a0insurance\u00a0or low limits, you may\u00a0be responsible for\u00a0much of [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":8478,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"%%post_title%%","_seopress_titles_desc":"An uninsured motorist drives without auto liability insurance, while an underinsured motorist is someone whose liability policy limits is not enough.","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[18,1],"tags":[],"class_list":["post-8474","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance","category-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.libertyautoinsurancellc.com\/es\/wp-json\/wp\/v2\/posts\/8474","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.libertyautoinsurancellc.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.libertyautoinsurancellc.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.libertyautoinsurancellc.com\/es\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/www.libertyautoinsurancellc.com\/es\/wp-json\/wp\/v2\/comments?post=8474"}],"version-history":[{"count":0,"href":"https:\/\/www.libertyautoinsurancellc.com\/es\/wp-json\/wp\/v2\/posts\/8474\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.libertyautoinsurancellc.com\/es\/wp-json\/wp\/v2\/media\/8478"}],"wp:attachment":[{"href":"https:\/\/www.libertyautoinsurancellc.com\/es\/wp-json\/wp\/v2\/media?parent=8474"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.libertyautoinsurancellc.com\/es\/wp-json\/wp\/v2\/categories?post=8474"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.libertyautoinsurancellc.com\/es\/wp-json\/wp\/v2\/tags?post=8474"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}