Insurance Markets for Your Clients


Ask Regina: I have been told by an attorney that Uninsured Motorist selection forms are not required in Texas. Is that true?

Jan 21, 2020

A. In Texas, Uninsured Motorists coverage must be provided on every policy unless the insured rejects it in writing. The rejection applies to all subsequent renewals with the same company. The code also says that limits must be offered in amounts desired by the insured but not greater than the Bodily injury and Property Damage limits on the policy. The attorney is technically correct – the company only has the obligation to get a written rejection signed, not a selection form. Most carriers require a signed selection form because without one they have no documentation proving the insured wanted limits less than the full UM limits.