What if the Driver Who Hit Me Is Uninsured?
After a car accident, we count on the other driver’s insurance to cover our medical bills, make up for the income we’ve lost, and compensate us for our pain and suffering and the other kinds of harm we’ve been forced to endure because of their negligence. But even though Texas law requires all drivers to carry minimum amounts of liability insurance, over eight percent of drivers in the state are uninsured. What happens, then, if you get hit by an uninsured driver? Read on for a discussion of your options in that situation. If you or a loved one has been injured in a car accident in Texas, contact McLemore, Reddell, & Story, P.L.L.C., to explore your options with an experienced and successful Houston personal injury lawyer.
Understanding Texas Insurance Requirements
Texas law mandates that drivers carry a minimum amount of liability insurance to cover damages and injuries they may cause in an accident. Specifically, the requirements are $30,000 per injured person, up to a total of $60,000 per accident, and $25,000 for property damage. Despite these laws, some drivers on Texas roads operate their vehicles without the required insurance, posing a significant risk to others.
After an accident with an uninsured driver, you are not without options. In fact, you might have several avenues to explore for compensation, including uninsured motorist coverage, collision coverage, or a personal injury lawsuit.
Uninsured Motorist (UM) Coverage
Uninsured Motorist (UM) coverage is insurance you carry as part of your auto insurance policy. UM coverage can compensate you for your medical bills, pain and suffering, and lost wages if hit by an uninsured driver. UM is included in your policy when you buy liability insurance; if you don’t want it, you have to specifically reject it in writing. If you have this coverage, UM is your best bet for getting the financial help you need and deserve after being hit by a negligent driver. An experienced motor vehicle accident lawyer can represent you and handle your claim with the insurance company on your behalf, ensuring your claim is successful and settles for the appropriate amount. If you aren’t represented by an attorney, you’ll likely end up with less than you would have had you retained a lawyer.
Collision Coverage
If you have collision coverage as part of your auto insurance policy, it can cover the damage to your vehicle, regardless of who is at fault. This coverage is separate from UM coverage and typically requires a deductible to be paid. If you don’t have UM and weren’t seriously hurt, collision or comprehensive coverage can help you get your car fixed and pay for incidentals.
Personal Injury Lawsuit
If the uninsured driver has assets, pursuing a personal injury lawsuit may be a viable option. However, this can be a challenging path, as individuals without insurance often lack the financial resources to pay a judgment. Consulting with an experienced personal injury law firm is crucial to evaluate the feasibility of this option.
How McLemore, Reddell, & Story, P.L.L.C. Can Help
Navigating the aftermath of an accident with an uninsured driver can be overwhelming. At McLemore, Reddell, & Story, P.L.L.C., our team is committed to advocating for the rights of car accident victims throughout Texas. We can help you:
- Understand your insurance policy and the coverage you have available.
- File a claim with your insurance company and handle all negotiations on your behalf.
- Evaluate the possibility of pursuing legal action against the uninsured driver.
- Provide guidance and support throughout the recovery process, ensuring you receive the compensation you deserve.
Dealing with an uninsured driver in the wake of an accident presents unique challenges. However, with the right legal team by your side, you can navigate these obstacles effectively. McLemore, Reddell, & Story, P.L.L.C. possesses the expertise and dedication needed to support victims throughout Texas, ensuring they receive comprehensive legal assistance during these difficult times. If you’re facing this situation, don’t hesitate to reach out for the guidance and representation you need. Call 713-303-8543 for a free consultation to explore your options and work toward securing the compensation you are entitled to, paving the way for your recovery and peace of mind.
