The purpose of obtaining uninsured or underinsured motorist coverage is to protect you when the other driver has not purchased insurance. We see it all the time on the roads in Texas drivers of cars don’t go out and purchase the insurance that they’re required by state law to purchase and when that happens many times an innocent victim can be left without any source of recovery if they haven’t purchased uninsurance or underinsurance. Uninsurance protects you when the driver who is at fault has no insurance. Underinsurance protects you when the driver who is at fault has too little insurance or not enough insurance. It’s critically important to have uninsurance or underinsurance on the roads in Texas because too many people choose to ignore the law and not buy the required insurance.