Board Certified Personal Injury Lawyer Mark Wham talks about why underinsured motorist protection is so important in the State of Texas.. Wham and Rogers, PLLC – Texas Injury Attorneys (832) 592-1108. Underinsured motorist coverage is possibly the most important car insurance you can buy in Texas. Under Texas law, the minimum allowable liability auto insurance coverage is only $30,000. You can imagine that auto accident victims routinely incur more than $30,000 in losses, damages, and medical expenses. Therefore, if you are seriously injured in an auto accident., then underinsured motorist coverage will provide additional coverage to compensate you for your losses and injuries. Injury Lawyer (832) 592-1108 Call our office for a free consultation. We have offices in The Woodlands and Spring, Tx and help clients in Montgomery County, Harris County, and the Greater Houston area. From Our Blog When are punitive damages available in Texas? Questions to ask your personal injury lawyer. What to do after a car accident that is not your fault.