auto insurance in texas tx If you have your own health insurance and you have purchased collision coverage, you may be able to skip uninsured motorist coverages if your state allows. It is a good idea to keep uninsured motorist coverages if you can afford to, because they can minimize your financial losses from deductibles and coverage caps. Your state may require that you buy uninsured motorist bodily injury coverage, which pays your hospital bills if you are hit by an uninsured driver. Your state may require only that you be offered this coverage but allow you to turn it down. If you buy this coverage, it typically will come in the same amounts as your own liability coverage. Uninsured motorist coverage costs an average of $83 a year, according to a CarInsurance rates analysis. A few states also require uninsured motorist property damage, which usually pays for some -- but not all -- of the damage to your own car. It doesn’t cover hit-and-run accidents in mo...