If the other driver involved in an accident is not insured or only has minimal coverage you’ll be looking to your uninsurance or your under-insurance for a recovery. Many times clients want to know if they make a claim on their own uninsurance or their own under-insurance will it effect their rates? Well insurance companies will tell you that if you’re not at fault it won’t effect your rates. Uninsurance is designed for when the driver of the other car has no insurance. Under-insurance is designed for when the driver of the other car has very little insurance. Both of those are coverages that you can choose to buy when you pay for your policy and both of them may protect you when you’ve been in an auto accident in Texas.