What is uninsured motorist coverage? Uninsured motorist coverage is a special type of auto insurance that protects you if you’re involved in an accident with a driver who does not carry liability insurance or lacks enough coverage to pay for your injuries or property damage. In Texas, this protection is especially valuable due to the high number of uninsured drivers on the road. Many vehicle owners in Texas choose this coverage to avoid financial loss from accidents caused by others who are uninsured or underinsured.