There is quite a significant difference between an underinsured driver and an uninsured driver.

An underinsured driver is an individual who does have some form of insurance, but not enough to cover damages and losses they have caused as a result of an accident. For example, if the driver caused an accident and they had the minimum required injury coverage in Texas, which is up to $60,000, but the accident resulted in $80,000 worth of damages, that driver is underinsured.

On the other hand, an uninsured driver has no insurance whatsoever. Therefore, they have no insurance to provide coverage for damages and loses.

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