Houston runs on its highways, and Texas consistently ranks among the states with the highest share of uninsured drivers. That means a meaningful number of the vehicles around you on any given commute carry no liability coverage at all. The usual assumption after a crash is that the at-fault driver's insurance pays. So what happens when that driver has no policy — or leaves the scene entirely? This guide covers how Uninsured and Underinsured Motorist coverage works in Texas, t