Texas UM/UIM Coverage: How Much Should I Get?

Should you get just the minimum required amount for uninsured/underinsured motorist coverage, aka UM/UIM coverage? We asked attorney Justin Smith for his recommendation. He says you should get as much as you can afford. He also explains how it can help in the case of a hit-and-run accident.

Justin Smith is an attorney with Sloan Law Firm based in Longview, Texas. He primarily focuses his practice on catastrophic personal injury litigation. He has also assisted clients with matters related to commercial litigation, civil rights, employment-related class actions, police brutality, and legal malpractice.

Contact him directly by calling 888-364-6814.

0:28 - What is UM/UIM insurance? Do we need it?
2:37 - What is the minimum amount of UM/UIM coverage in Texas?
3:07 - Should you get more than the required amount?
3:39 - Will this type of insurance help out if you’re hit by a hit-and-run? Can a lawyer still help after a hit-and-run accident?
6:58 - Can you trust the insurance company to follow through on their policies?

Disclaimer: This video is for informational purposes only. In some states, this video may be deemed Attorney Advertising. The choice of lawyer is an important decision that should not be based solely on advertisements.