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Like all auto insurance companies, Root offers optional UMPD and UM / UIM coverage in Texas to help pay for injuries or vehicle damage when the at-fault driver has no insurance or insufficient coverage. Insurers in Texas must offer this coverage, so if you don’t want it, you’ll need to reject it in writing. 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The term generally refers to a policy that combines liability (Bodily Injury and Property Damage), collision, and comprehensive coverage. Root offers all three.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}}]}]}}},{"id":"6fb0e13d-9a3d-5440-8e0c-15fa8235482e","title":"Who needs SR-22 insurance in Texas?","anchor":null,"content":{"json":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"High-risk Texas drivers may be ordered by a court or the Texas Department of Public Safety to provide an ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.joinroot.com/sr-22/"},"content":[{"nodeType":"text","value":"SR-22","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" after serious violations such as DUI, DWI, or driving without insurance.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. 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