What is uninsured motorist coverage and does Texas require me to have it?

A:

Uninsured and underinsured motorist coverage are optional coverages that allow you to protect yourself from those drivers who do not carry enough insurance.  If you are injured in a car crash with a driver who doesn't carry insurance, uninsured motorist coverage will pay for your injuries, up to the limit of your policy.

Uninsured motorist bodily injury coverage covers medical bills, lost wages, and other general damages.