When the Other Driver Is Uninsured
Short answer: Your own uninsured/underinsured motorist (UM/UIM) coverage is designed for this. It pays when the at-fault driver has no insurance or too little, and your PIP covers early bills either way, unless you rejected these coverages in writing.
U.S. drivers (33.4%) were uninsured or underinsured in 2023.
Source: Insurance Research Council, 2025 →How UM/UIM works
Texas insurers must offer it, and it can only be rejected in writing (Ins. Code §1952.101). UIM pays the difference when your losses are more than the other driver's limits, up to your own UIM limits.
Hit-and-run checklist
- Call 911. Inside Saginaw, the Saginaw Police Department responds.
- Note the plate, color, model and direction of travel.
- Get witness contact information.
- Report it to your insurer and ask about PIP and UM.
Not sure what's on your policy? A lawyer can find every coverage that applies. PIP · all insurance guides.
Questions after a Saginaw wreck?
A participating personal injury firm can review your situation for free. It takes about two minutes to ask, wherever in Texas the crash happened.