Auto · Uninsured drivers
The other driver’s policy pays only up to their limit
If you did not cause the crash, their liability insurance is what is supposed to pay you. It stops at their limit. If they have no policy, too little, or they leave, that payment is small or missing. Uninsured and underinsured motorist coverage on your policy is the part that can pay your bodily injury in that gap, up to your limit, if the form applies. It is not their insurance, and it is not automatic just because you bought “full coverage.”
A hit-and-run is an uninsured-motorist claim only when the form and the state define it that way. Some forms want a police report or contact with the other car. Do not assume the label on the accident report is the coverage. Rental reimbursement, if you want a car while yours is in the shop, is its own endorsement. Collision does not include it unless it is listed.
What the coverage is: uninsured motorist coverage. The stack it sits in: what Texas car insurance covers and liability versus full coverage. Driving with nothing, which is the other side of this claim: driving without insurance. Texas auto: car insurance in Texas. A plain explanation from outside the agency: uninsured motorists.
