Texas Uninsured Motorist Property Damage Claims

The minimum amount of property damage coverage a person is required to carry in Texas is only $25,000. Once all the property damage expenses such as repair costs, rental bills, and diminished value exceed the at-fault person’s available policy limit, you are eligible for diminished value compensation under your own UM/UIM Property Damage coverage.

Uninsured/Underinsured Motorist (UM/UIM) Property Damage coverage will pay your expenses and diminished value from an accident caused by an uninsured motorist, a motorist who did not have enough property damage liability coverage, or a hit-and-run driver.

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