Texas has gone to great lengths to require drivers in Texas to carry at least the minimum level of car insurance. However, the Insurance Journal in July of 2012 believes that there are still 2.6 million drivers in Texas without insurance. What happens if you are in an accident with one of these 2.6 million drivers? Who will repair your vehicle, pay your medical bills and cover you other expenses? Your insurance policy should have Uninsured/Underinsured motorist coverage (UM/UIM) and Personal Injury Protection (PIP). The purpose of the insurance is to place the person covered by the policy in the same position as if the liable party had insurance to cover the damage. The Texas Insurance Code mandates that every auto policy contain at least the minimum UM/UIM coverage. This coverage is presumed unless it is rejected in writing by the insured. This coverage does not have to be offered on a renewal. Personal Injury Protection is also presumed unless rejected in writing by the insured. Your UM/UIM and PIP insurance is the most important part of your policy; it protects your interest after an accident that does not have coverage to make you whole. After an accident, make sure you have professional assistance to protect your rights.