Texas Codes

Tex. Ins. Code § 1952.102 (2026)

Uninsured Motor Vehicle

✓ current as of May 2026
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Sec. 1952.102. UNINSURED MOTOR VEHICLE. (a) For purposes of the coverage required by this subchapter, "uninsured motor vehicle," subject to the terms of the coverage, is considered to include an insured motor vehicle as to which the insurer providing liability insurance is unable because of insolvency to make payment with respect to the legal liability of the insured within the limits specified in the insurance.

(b) The commissioner may, in the policy forms filed under Subchapter B, Chapter 2301, allow "uninsured motor vehicle" to be defined or, in policy forms adopted under Article 5.06, define "uninsured motor vehicle," to exclude certain motor vehicles whose operators are in fact uninsured.

Added by Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 2, eff. April 1, 2007.

Notes of Decisions
Cited in 5 cases (2 in the last 5 years), 2008–2024 · leading case: Charida v. Allstate Indem. Co., 259 S.W.3d 870 (Tex. App. 2008).
Charida v. Allstate Indem. Co., 259 S.W.3d 870 (Tex. App. 2008). “Laws 1752 , 2186-87 (current version at Tex Ins.Code Ann. § 1952.102 (Vernon 2007)).”
Progressive Cnty. Mut. Ins. Co. v. Anselmo M. Caltzonsing (Tex. App. 2022). “” TEX. INS. CODE ANN. § 1952.102(b). However, [t]he Board must act consistently with and in furtherance of the purposes of the Act when it prescribes forms containing exclusions from the definition of ‘uninsured automobile.”
Progressive Cnty. Mut. Ins. Co. v. Artemiz Freeman (Tex. App. 2024). “2d 382 ; see also Tex. Ins. Code Ann. § 1952.102 (b). 3 See Gregory R.”
Roxanne Hunter, Individually & as Next Friend of H.H., a Minor v. State Farm Cnty. Mut. Ins. Co. of Texas A/K/A State Farm Ins. Co. (Tex. App. 2008). “Laws 1752 , 2186–87 (current version at Tex. Ins. Code Ann. § 1952.102 (Vernon Supp.”
Roxanne Hunter, Individually & as Next Friend of H.H., a Minor v. State Farm Cnty. Mut. Ins. Co. of Texas A/K/A State Farm Ins. Co. (Tex. App. 2008). “Laws 1752 , 2186–87 (current version at Tex. Ins. Code Ann. § 1952.102 (Vernon Supp.”
— Tex. Ins. Code § 1952.102(b) — 1 case
Progressive Cnty. Mut. Ins. Co. v. Anselmo M. Caltzonsing (Tex. App. 2022). “” TEX. INS. CODE ANN. § 1952.102(b). However, [t]he Board must act consistently with and in furtherance of the purposes of the Act when it prescribes forms containing exclusions from the definition of ‘uninsured automobile.”
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