Underinsured motorist coverage is a type of auto insurance that protects you if you are involved in an accident with a driver who does not have enough insurance to pay for your damages. In Texas, where Royalty Insurance operates, this coverage can help cover medical expenses, lost wages, and property damage when the other driver is underinsured. The importance of underinsured motorist coverage increases in areas where many drivers carry only the minimum required liability insurance, which is often not enough to cover serious injuries or vehicle repairs.