A common occurrence when it comes to getting car insurance, is paying the bare minimum. By paying the bare minimum you get (in Texas) just liability coverage. What liability coverage does not cover is uninsured motorist coverage. This means that if you are hit by someone who does not have insurance, all the expenses for medical bills and for vehicle damages would be your sole responsibilities. In 2012, 12.6% of drivers did not have insurance, that is about one in eight. That means that the risk of being hit by someone with no insurance is a lot higher than most people think. Do not be one of those people that ends up with a totaled car and giant medical bills and having to pay for someone else’s mess up. Make sure you and your property are protected as much as possible.