Uninsured Motorist Coverage is optional coverage under your policy that is used when the at-fault party does not carry the minimum amount of insurance required under Texas law.
Unfortunately, if you are injured by an uninsured driver, filing on your UM policy is likely the best avenue for any recovery in your accident. This is because those drivers rarely have any assets to collect on should a suit be filed against them.
Such a scenario leads to potentially receiving a judgment in a court of law against the other party but the assets don’t exist for it to ever be paid.