{"id":18164,"date":"2026-06-26T05:00:00","date_gmt":"2026-06-26T12:00:00","guid":{"rendered":"https:\/\/www.danielstark.com\/?post_type=blog&#038;p=18164"},"modified":"2026-06-26T12:34:02","modified_gmt":"2026-06-26T19:34:02","slug":"uninsured-and-underinsured-motorist-coverage","status":"publish","type":"blog","link":"https:\/\/www.danielstark.com\/es\/blog\/uninsured-and-underinsured-motorist-coverage\/","title":{"rendered":"Uninsured and Underinsured Motorist Coverage: Do You Really Need It?\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\" id=\"h-author-shelby-benavidez-nbsp\">Autor: Shelby Benavidez&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Abogado colaborador:\u00a0<a href=\"https:\/\/www.danielstark.com\/es\/teams\/spencer-smith\/?_gl=1*1mr5clr*_up*MQ..*_gs*MQ..&amp;gclid=Cj0KCQjwxvjRBhC2ARIsAI7KJa1nXQXe7QNkasBOubdM1LgFYvyFfq5nFbmXwCZxn5dUc3LORFrwNAMaAvA1EALw_wcB&amp;gbraid=0AAAAABtzZ8so4arBXyc0VN_BOKNtdrV_T\">Spencer Smith, attorney team lead<\/a><\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Table of contents<\/h2><ul><li><a href=\"#h-tl-dr-key-takeaways-about-nbsp-uninsured-and-underinsured-motorist-coverage-nbsp\" data-level=\"2\">TL;DR: Key Takeaways About\u00a0Uninsured and Underinsured Motorist Coverage \u00a0<\/a><\/li><li><a href=\"#h-understanding-nbsp-uninsured-and-underinsured-motorist-coverage-nbsp\" data-level=\"2\">Understanding\u00a0Uninsured and Underinsured Motorist Coverage \u00a0<\/a><\/li><li><a href=\"#h-factors-to-consider-before-rejecting-um-uim-coverage-nbsp\" data-level=\"2\">Factors to Consider Before Rejecting UM\/UIM Coverage \u00a0<\/a><\/li><li><a href=\"#h-do-you-really-need-um-uim-coverage-nbsp\" data-level=\"2\">Do You Really Need UM\/UIM Coverage? \u00a0<\/a><\/li><li><a href=\"#h-um-uim-nbsp-the-coverage-you-hope-you-never-need-nbsp\" data-level=\"2\">UM\/UIM:\u00a0The Coverage You Hope You Never Need \u00a0<\/a><\/li><li><a href=\"#h-frequently-asked-questions-about-nbsp-uninsured-and-underinsured-motorist-coverage-nbsp\" data-level=\"2\">Frequently Asked Questions About\u00a0Uninsured and Underinsured Motorist Coverage \u00a0<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 id=\"h-tl-dr-key-takeaways-about-nbsp-uninsured-and-underinsured-motorist-coverage-nbsp\" class=\"wp-block-heading\"><strong>TL;DR: Key Takeaways About&nbsp;Uninsured and Underinsured Motorist Coverage<\/strong>&nbsp;<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Uninsured and underinsured motorist coverage\u00a0(UM\/UIM) can help pay for medical bills, lost wages, and other damages if the at-fault driver has no insurance or not enough insurance.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Texas drivers\u00a0are not required to\u00a0carry UM\/UIM coverage, but insurance companies must offer it when you buy auto insurance.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rejecting UM\/UIM coverage may lower your premium, but it could leave you paying out of pocket after an\u00a0accident with\u00a0uninsured\u00a0driver.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Many experts recommend carrying UM\/UIM limits that match your liability coverage for added financial protection.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you are injured in an\u00a0accident with\u00a0uninsured\u00a0driver, an experienced attorney can help you explore your legal options.\u00a0<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">As a driver, you can do everything right. Obey traffic laws,&nbsp;maintain&nbsp;your insurance policy, and drive responsibly. However, in a matter of seconds, another driver can crash into you \u2013 and&nbsp;they may not&nbsp;have insurance or&nbsp;not&nbsp;carry enough coverage to pay for your injuries.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Unfortunately, this situation is more common than many people realize.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#8217;s&nbsp;where&nbsp;uninsured and underinsured motorist coverage&nbsp;comes in. While it may seem like just another optional add-on to your auto insurance policy, it can provide an important financial safety net when the unexpected happens.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, do you really need&nbsp;uninsured and underinsured motorist coverage? The answer depends on your circumstances, risk tolerance, and financial situation. Before&nbsp;making a decision,&nbsp;it&#8217;s&nbsp;important to understand exactly&nbsp;what this coverage does&nbsp;and&nbsp;what could happen if you&nbsp;don&#8217;thave it.&nbsp;<\/p>\n\n\n\n<h2 id=\"h-understanding-nbsp-uninsured-and-underinsured-motorist-coverage-nbsp\" class=\"wp-block-heading\"><strong>Understanding&nbsp;Uninsured and Underinsured Motorist Coverage<\/strong>&nbsp;<\/h2>\n\n\n\n<h4 id=\"h-what-is-nbsp-uninsured-nbsp-motorist-nbsp-insurance-nbsp\" class=\"wp-block-heading\"><strong>What Is&nbsp;Uninsured&nbsp;Motorist&nbsp;Insurance?<\/strong>&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Uninsured and underinsured motorist coverage, often shortened to UM\/UIM coverage, helps protect you if&nbsp;you&#8217;re&nbsp;injured in a car&nbsp;accident&nbsp;caused by a driver who either&nbsp;doesn\u2019t&nbsp;have auto insurance at all or has insurance, but not enough to fully cover your damages.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En Texas,&nbsp;<a href=\"https:\/\/www.tdi.texas.gov\/pubs\/consumer\/cb020.html\" target=\"_blank\" rel=\"noreferrer noopener\">minimum liability insurance requires drivers to carry at least $30,000 in bodily injury coverage<\/a>. That&nbsp;may not be enough to pay for serious injuries.&nbsp;And unfortunately, some drivers just&nbsp;don\u2019t&nbsp;carry insurance.&nbsp;If your medical&nbsp;expenses&nbsp;exceed the at-fault&nbsp;driver&#8217;s&nbsp;policy limits(or if they&nbsp;didn\u2019t&nbsp;have any to begin with),&nbsp;uninsured and&nbsp;underinsured motorist coverage&nbsp;may help bridge the gap.&nbsp;<\/p>\n\n\n\n<h4 id=\"h-what-does-nbsp-uninsured-motorist-insurance-nbsp-cover-nbsp\" class=\"wp-block-heading\"><strong>What Does&nbsp;Uninsured Motorist Insurance&nbsp;Cover?<\/strong>&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Coverage can vary by policy, but&nbsp;uninsured motorist insurance&nbsp;generally helps&nbsp;pay for&nbsp;medical expenses, lost wages, pain and suffering, damage caused by hit-and-run drivers, and vehicle repairs or replacement if property damage is included. Funeral expenses in fatal&nbsp;accidents may also be covered.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, if&nbsp;you&#8217;re&nbsp;involved in an&nbsp;accident&nbsp;with&nbsp;an uninsured driver and&nbsp;have to&nbsp;have surgery, UM\/UIM coverage may help cover&nbsp;that cost&nbsp;that would otherwise come directly out of your pocket.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, every insurance policy is different. Reviewing your policy with your insurance agent can help you understand exactly&nbsp;what protections you have.&nbsp;<\/p>\n\n\n\n<h4 id=\"h-is-uninsured-underinsured-motorist-coverage-required-in-texas-nbsp\" class=\"wp-block-heading\"><strong>Is Uninsured Underinsured Motorist Coverage Required in Texas?<\/strong>&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Texas law does not require drivers to carry&nbsp;uninsured and underinsured motorist coverage.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, Texas insurance companies&nbsp;are required to&nbsp;offer UM\/UIM coverage when you&nbsp;purchase&nbsp;an auto policy. If you choose not to&nbsp;purchase&nbsp;it,&nbsp;<a href=\"https:\/\/codes.findlaw.com\/tx\/insurance-code\/ins-sect-1952-101\/\" target=\"_blank\" rel=\"noreferrer noopener\">you must reject the coverage in writing<\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because UM\/UIM coverage is optional, many drivers decline it in an effort to save money on their premiums.&nbsp;Before doing so,&nbsp;it&#8217;s&nbsp;important to consider&nbsp;the potential&nbsp;financial risks.&nbsp;<\/p>\n\n\n\n<h2 id=\"h-factors-to-consider-before-rejecting-um-uim-coverage-nbsp\" class=\"wp-block-heading\"><strong>Factors to Consider Before Rejecting UM\/UIM Coverage<\/strong>&nbsp;<\/h2>\n\n\n\n<h4 id=\"h-why-would-you-reject-uninsured-motorist-coverage-nbsp\" class=\"wp-block-heading\"><strong>Why Would You Reject Uninsured Motorist Coverage?<\/strong>&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">There are several reasons someone might decide to reject uninsured motorist coverage.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The most common reason is&nbsp;cost. Adding UM\/UIM coverage increases insurance premiums, and some drivers may feel they cannot fit the&nbsp;additional&nbsp;expense into their budget.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Others may reject coverage because&nbsp;they believe, \u201cGetting hit by an uninsured driver? That&nbsp;won\u2019t&nbsp;happen to me.\u201d Some may&nbsp;decide&nbsp;that&nbsp;carrying UM\/UIM coverage is redundant because they already pay&nbsp;for health insurance.&nbsp;But health insurance&nbsp;doesn\u2019t&nbsp;always cover every cost associated with a car&nbsp;accident, and&nbsp;<a href=\"https:\/\/www.law.cornell.edu\/wex\/subrogation\" target=\"_blank\" rel=\"noreferrer noopener\">insurers typically expect to be reimbursed for&nbsp;accident-related medical bills<\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Declining UM\/UIM coverage can expose you to significant financial hardship if&nbsp;you&#8217;re&nbsp;seriously injured in a crash caused by an uninsured or underinsured&nbsp;driver, and&nbsp;deciding whether to reject coverage comes down to your personal financial situation and comfort with risk.&nbsp;<\/p>\n\n\n\n<h4 id=\"h-what-is-nbsp-a-good-amount-for-underinsured-motorist-coverage-nbsp\" class=\"wp-block-heading\"><strong>What Is&nbsp;a Good Amount for Underinsured Motorist Coverage?<\/strong>&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">As experienced car&nbsp;accident&nbsp;attorneys, we&nbsp;recommend&nbsp;purchasing&nbsp;UM\/UIM limits that are equal to&nbsp;your&nbsp;<a href=\"https:\/\/www.progressive.com\/answers\/bodily-injury-liability\/\" target=\"_blank\" rel=\"noreferrer noopener\">bodily injury liability limits<\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, if your policy includes&nbsp;$100,000 per person in bodily injury liability coverage and&nbsp;$300,000 per&nbsp;accident&nbsp;in bodily injury liability coverage,&nbsp;you&nbsp;may want to carry the same limits for your&nbsp;uninsured and underinsured motorist coverage.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Higher coverage limits&nbsp;generally provide&nbsp;greater financial protection, especially if you suffer catastrophic injuries requiring extensive medical treatment.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When choosing coverage limits,&nbsp;consider all the factors that would come into play after an&nbsp;accident.&nbsp;What is&nbsp;your current income and future earning potential?&nbsp;What assets would you want to protect?&nbsp;Are you really able to pay out of pocket for expenses after a crash?&nbsp;Your coverage limits should reflect the level of financial protection you would need in a worst-case scenario.&nbsp;<\/p>\n\n\n\n<h2 id=\"h-do-you-really-need-um-uim-coverage-nbsp\" class=\"wp-block-heading\"><strong>Do You Really Need UM\/UIM Coverage?<\/strong>&nbsp;<\/h2>\n\n\n\n<h4 id=\"h-what-happens-if-you-don-t-have-um-uim-coverage-nbsp\" class=\"wp-block-heading\"><strong>What Happens if You Don&#8217;t Have UM\/UIM Coverage?<\/strong>&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Without&nbsp;uninsured and underinsured motorist coverage, you may have limited options after an&nbsp;accident&nbsp;with&nbsp;an uninsured driver.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on the circumstances, you may need to&nbsp;rely solely on your health&nbsp;insurance,&nbsp;&nbsp;which&nbsp;means paying your deductibles and hoping&nbsp;it&nbsp;covers&nbsp;all your expenses. Your other&nbsp;option&nbsp;would&nbsp;likely be&nbsp;to&nbsp;absorb losses that&nbsp;couldn&#8217;t&nbsp;be recovered.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You could also try to sue the driver personally. However, drivers who lack insurance often&nbsp;don&#8217;t&nbsp;have significant assets, which can make recovering compensation difficult. If you were injured in a hit-and-run&nbsp;accident, pursuing a lawsuit can be even more challenging because the driver may never be&nbsp;identified&nbsp;or&nbsp;located.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a result,&nbsp;you may be left with&nbsp;substantial financial burdens following a serious crash.&nbsp;<\/p>\n\n\n\n<h4 id=\"h-is-um-uim-worth-it-nbsp\" class=\"wp-block-heading\"><strong>Is UM\/UIM Worth It?<\/strong>&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">In our opinion, UM\/UIM&nbsp;coverage is absolutely worth the cost for Texas drivers.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">UM\/UIM coverage can provide valuable protection against situations that are completely outside your control.&nbsp;And the true value of UM\/UIM coverage often becomes clear after an&nbsp;accident&nbsp;occurs. In many cases, drivers who declined coverage discover too late that the money they saved on premiums pales in comparison to the expenses they now face.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While every driver&#8217;s circumstances are different, the peace of mind alone makes UM\/UIM coverage worthwhile.&nbsp;<\/p>\n\n\n\n<h4 id=\"h-get-a-free-consultation-nbsp-with-nbsp-a-car-nbsp-accident-nbsp-attorney-nbsp\" class=\"wp-block-heading\"><strong>Get a Free Consultation&nbsp;With&nbsp;a Car&nbsp;Accident&nbsp;Attorney<\/strong>&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">If&nbsp;you&#8217;ve&nbsp;been injured in an&nbsp;accident&nbsp;involving an uninsured or underinsured driver, you may still have legal options.&nbsp;An experienced car&nbsp;accident&nbsp;attorney can investigate the crash,&nbsp;identify&nbsp;all available insurance coverage, and help you pursue the compensation you deserve.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At Daniel Stark Injury Lawyers, our team is committed to protecting injured Texans from being taken advantage of by insurance companies. We offer free consultations, and you&nbsp;won&#8217;t&nbsp;pay&nbsp;attorney&#8217;s&nbsp;fees unless we recover money for you.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-background has-medium-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/www.danielstark.com\/es\/contact-us\/?_gl=1*1423iyp*_up*MQ..*_gs*MQ..&amp;gclid=Cj0KCQjwxvjRBhC2ARIsAI7KJa1nXQXe7QNkasBOubdM1LgFYvyFfq5nFbmXwCZxn5dUc3LORFrwNAMaAvA1EALw_wcB&amp;gbraid=0AAAAABtzZ8so4arBXyc0VN_BOKNtdrV_T\" style=\"border-top-left-radius:9px;border-top-right-radius:9px;border-bottom-left-radius:9px;border-bottom-right-radius:9px;background:linear-gradient(135deg,rgb(241,187,78) 3%,rgb(216,108,36) 100%)\"><strong>GET A FREE CASE EVALUATION<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 id=\"h-um-uim-nbsp-the-coverage-you-hope-you-never-need-nbsp\" class=\"wp-block-heading\"><strong>UM\/UIM:&nbsp;The Coverage You Hope You Never Need<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Most people buy insurance for events they hope never happen.&nbsp;Uninsured and underinsured motorist coverage&nbsp;falls squarely into that category.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You may never need to use it&nbsp;\u2013&nbsp;we hope you&nbsp;don\u2019t. But if&nbsp;you\u2019re&nbsp;seriously injured by someone who lacks adequate insurance, having UM\/UIM coverage could make a tremendous difference in your financial recovery and peace of mind.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As you review your auto insurance policy, ask yourself a simple question: If another driver&#8217;s lack of insurance left you facing thousands of dollars in medical bills, would you be financially prepared?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the answer is no,&nbsp;uninsured&nbsp;and underinsured motorist coverage&nbsp;may deserve a closer look.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And if&nbsp;you&#8217;ve&nbsp;already been injured in a crash, learn more about&nbsp;our&nbsp;<a href=\"https:\/\/www.danielstark.com\/es\/auto-wreck\/?_gl=1*d81sg8*_up*MQ..*_gs*MQ..&amp;gclid=Cj0KCQjwxvjRBhC2ARIsAI7KJa1nXQXe7QNkasBOubdM1LgFYvyFfq5nFbmXwCZxn5dUc3LORFrwNAMaAvA1EALw_wcB&amp;gbraid=0AAAAABtzZ8so4arBXyc0VN_BOKNtdrV_T\" target=\"_blank\" rel=\"noreferrer noopener\">auto wreck attorney services<\/a>&nbsp;to see how Daniel Stark Injury Lawyers can help protect your rights and pursue the compensation you deserve.&nbsp;<\/p>\n\n\n\n<h2 id=\"h-frequently-asked-questions-about-nbsp-uninsured-and-underinsured-motorist-coverage-nbsp\" class=\"wp-block-heading\"><strong>Frequently Asked Questions About&nbsp;Uninsured and Underinsured Motorist Coverage<\/strong>&nbsp;<\/h2>\n\n\n\n<h4 id=\"h-am-i-covered-if-hit-by-an-uninsured-driver-nbsp\" class=\"wp-block-heading\"><strong>Am I Covered if Hit by an Uninsured Driver?<\/strong>&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">If you carry uninsured motorist coverage, your policy may help cover&nbsp;damages&nbsp;caused by an uninsured driver, subject to your policy limits and terms.&nbsp;<\/p>\n\n\n\n<h4 id=\"h-does-uninsured-nbsp-motorist-nbsp-coverage-cover-hit-and-run-nbsp-accidents-nbsp\" class=\"wp-block-heading\"><strong>Does Uninsured&nbsp;Motorist&nbsp;Coverage Cover Hit-and-Run&nbsp;Accidents?<\/strong>&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">In many cases, yes. Texas uninsured motorist coverage often applies to hit-and-run&nbsp;accidents, although specific requirements may apply.&nbsp;<\/p>\n\n\n\n<h4 id=\"h-can-i-sue-an-uninsured-driver-after-an-nbsp-accident-nbsp\" class=\"wp-block-heading\"><strong>Can I Sue an Uninsured Driver After an&nbsp;Accident?<\/strong>&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. You can&nbsp;generally file&nbsp;a lawsuit against an uninsured driver. However, recovering compensation may be challenging if the driver lacks assets.&nbsp;<\/p>\n\n\n\n<h4 id=\"h-does-health-insurance-replace-um-uim-coverage-nbsp\" class=\"wp-block-heading\"><strong>Does Health Insurance Replace UM\/UIM Coverage?<\/strong>&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Not necessarily. Health insurance may cover medical treatment, but it typically&nbsp;doesn\u2019t&nbsp;compensate you for lost wages, pain and suffering, or other&nbsp;accident-related damages.&nbsp;Health insurance providers may also expect reimbursement for anything they&nbsp;pay out&nbsp;in&nbsp;relation&nbsp;to a car&nbsp;accident&nbsp;claim.&nbsp;<\/p>\n\n\n\n<h4 id=\"h-is-nbsp-car-insurance-for-uninsured-drivers-nbsp-available-nbsp\" class=\"wp-block-heading\"><strong>Is&nbsp;Car Insurance for Uninsured Drivers&nbsp;Available?<\/strong>&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Drivers who have difficulty obtaining traditional insurance may still be able to&nbsp;purchase&nbsp;coverage through high-risk insurance providers. Texas law requires all drivers to&nbsp;maintain&nbsp;minimum liability insurance coverage.&nbsp;<\/p>\n\n\n\n<h4 id=\"h-can-um-uim-coverage-apply-if-i-am-a-passenger-nbsp\" class=\"wp-block-heading\"><strong>Can UM\/UIM Coverage Apply if I Am a Passenger?<\/strong>&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">In many situations, yes. Depending on the&nbsp;policy&nbsp;language,&nbsp;uninsured and underinsured motorist coverage&nbsp;may extend to passengers injured in a covered vehicle.&nbsp;<\/p>","protected":false},"author":29,"featured_media":18166,"menu_order":0,"template":"","format":"standard","tags":[],"blog_category":[886],"class_list":["post-18164","blog","type-blog","status-publish","format-standard","has-post-thumbnail","blog_category-blog","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.9 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Do You Need UM\/UIM Coverage? | Daniel Stark Injury Lawyers<\/title>\n<meta name=\"description\" content=\"Do you really need uninsured and underinsured motorist coverage? 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