LOOP offers a variety of different uninsured and underinsured motorist coverages.
(UM) Uninsured Motorists Liability: this is coverage that helps a policyholder pay for damages caused by another driver who does not have car insurance.
(UIM) Underinsured Motorists Liability: this is coverage that helps cover expenses if you are in an accident caused by someone that does not have enough insurance.
There is also Uninsured Motorists Property Damage, and Underinsured Motorists Property Damage, which provides property damage coverage for an incident involving an uninsured or underinsured person. This is the only type of Liability coverage that carries a standard deductible of $250.
These coverages are optional in the state of Texas, but if you would like to add Uninsured and Underinsured Liability Coverage to your policy you can submit a request here and our Care Team will take it from there.