Neither uninsured motorist coverage nor underinsured motorist coverage is required by Texas law.  These coverages protect you in accidents with driver's who do not have adequate insurance coverage to pay for your medical bills, lost wages, or other damages.
You can obtain uninsured or underinsured coverage to whatever limit you can afford.  Texas only requires drivers to carry 30/60 insurance.  This means that it is legal to drive with insurance coverage that will only pay $30,000 for a single injury and $60,000 for all injuries sustained in an accident.  Because this minimum coverage is so low, it is a good idea to purchase uninsured or underinsured coverage to protect your own finances in the case of an accident.

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David Todd
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Austin TX Family Law, Personal Injury and Eminent Domain Attorney