What Happens if the Person At Fault in An Accident Has No Insurance in Texas

Every driver is required to carry minimum liability coverage in Texas in case they cause an accident with another driver. However, many motorists on the road today are driving without insurance.

Being involved in a car accident is stressful enough. But when you learn the at-fault driver has no insurance, the situation becomes much more complicated.

Don’t panic. There are legal options to pursue compensation for your damages when a driver is uninsured or underinsured.

At Bush & Bush Law Group, our Dallas car accident attorneys have decades of experience recovering maximum compensation for motor vehicle accident victims. We will help you explore your options and seek compensation when you have been injured in an accident with an uninsured or underinsured driver.

Call (469) 977-7777 or visit our contact page to schedule a free consultation to discuss your case.

What Sets Bush & Bush Law Group Apart?

• Over $50 million recovered for our clients
• Decades of experience handling car accident cases
• Around the clock availability
• Access to personal loans through trusted partners
• No fees until we win for you

Schedule a free consultation to discuss your case and you will understand why Bush & Bush Law Group is the right choice for your Texas car accident case.

How a Texas Car Accident Lawyer Can Help You

When an at-fault driver has no insurance, you need an experienced, skilled Dallas uninsured motorist accident attorney to help you explore other legal options to recover compensation for your damages.

Some ways a Dallas car accident lawyer can help you include:

• Thoroughly investigating your accident to ensure all possible causes and potentially liable parties are identified.
• Negotiating with any insurance companies, including your own, to help you obtain a fair settlement.
• Examining your insurance policy to determine whether you have uninsured motorist coverage or if you expressly waived it.
• Negotiating directly with the at-fault party.
• Evaluating your claim to determine its full value so you know whether a settlement offer is fair.
• Explore filing a personal injury suit against the uninsured at-fault driver. (Just because they don’t have insurance coverage does not mean they don’t have resources to pay for your damages.)
• Filing suit to obtain a judgment against the uninsured motorist.
• Explore all other available legal options.

Having a car accident lawyer with a proven record of success can significantly increase your chances of recovering the damages you are entitled to.

Minimum Insurance Coverage in Texas

Texas law requires all motorists to carry minimum liability coverage. Every driver must carry at least:

• $30,000 for death or physical injury per person
• $60,000 total per accident for death or physical injury involving more than one person
• $25,000 per accident for property damage

These are only the minimum required coverage amounts. Serious car accidents can result in damages that far exceed these amounts, so it is wise to pay for additional coverage when you can.

There are penalties for drivers who do not have the required minimum coverage. Uninsured motorists may face fines, fees, and the risk of losing their license.

What Is Uninsured Motorist Coverage?

Insurance companies offer their customers an optional extra coverage that protects them if they are injured in a car accident with an uninsured or underinsured driver.

If you have uninsured motorist coverage, you can seek compensation from your own insurance company if the at-fault party has no insurance or does not have enough coverage to pay for your damages.

This coverage is not required but is a good idea. It usually provides coverage for medical expenses, rehabilitation costs, lost wages, and property damage in excess of the at-fault party’s coverage limits.

The Texas Insurance Code, § 1952.101 requires insurance companies to offer uninsured motorist coverage. If you choose not to pay for uninsured motorist coverage, you must sign a waiver expressly denying it.

What To Do After an Accident With An Uninsured Motorist In Texas

If you are involved in a motor vehicle accident, your first priority is your safety. Call 911 for emergency services if needed, and report the accident to the local police department or state police.

Other steps you can take to protect your rights to recover damages include:

• Take photos and video footage of the accident scene, including vehicle damage, visible injuries, relevant road signs or traffic signals, and road conditions.
• Exchange contact information with all other parties.
• Get the contact information for any witnesses to the accident.
• Contact your insurance company to report the accident.
• Obtain a copy of the accident report.
• Seek immediate medical attention even if you think your injuries are not serious. Many injuries are not immediately apparent.
• File a complaint with the Texas Department of Public Safety to report the uninsured driver.
• Read your insurance policy to determine whether you have uninsured motorist coverage.
• Contact an experienced Texas car accident lawyer promptly.

At Bush & Bush Legal Group, our car accident lawyers can quickly help you determine your best options and assist in recovering the compensation you are entitled to.

Contact an Experienced Texas Car Accident Lawyer

All Texas drivers are required to carry minimum insurance coverage to protect others in the event of an accident. However, about one in every twelve motorists in Texas are uninsured and driving illegally.

If you have been injured in a car accident with an at-fault uninsured driver, you may be left wondering who will pay for your medical expenses, lost wages, and property damage. If you have uninsured motorist coverage, you can seek compensation from your own insurer.

It is always best to have an experienced Dallas personal injury attorney by your side when you have been injured in a car accident. However, when the at-fault party has no insurance, you need their help more than ever.

The car accident attorneys at Bush & Bush Law Group have been recovering maximum compensation for motor vehicle accident victims for decades. We can help you identify and explore all your legal options to recover compensation for your damages.

Call (469) 977-7777 or visit our contact page to schedule a free consultation to discuss your case. We will listen to you, answer your questions, explain your rights, and help you recover the compensation you deserve.