Will my own insurance pay if an uninsured driver hits me?

Reading your policy before a crash happens

The attorney begins with what clients tell us after a wreck with an uninsured driver. Many feel stuck, convinced nothing can be done, and he admits that is sometimes the case. His point is that people overlook a second source of payment, which is the coverage they bought for themselves.

He separates two kinds of coverage. Liability protects other people from what you might do wrong, and Texas requires it, so you hope the other car carries it. The uninsured and underinsured motorist kind protects you, covering a hit and run or a driver who stayed but held no liability policy. Collision and comprehensive sit beside it.