Uninsured At-Fault Driver in Texas: What to Do After an Accident
Discovering that the driver responsible for your accident is uninsured can feel overwhelming and frustrating. However, Texas law offers multiple ways to help victims secure the compensation they deserve, even in these difficult situations.
This guide walks you through the steps to take if you’ve been hit by an uninsured driver in Texas, offering solutions—from insurance coverage options to pursuing legal action—to help you recover and move forward.
Uninsured At-Fault Driver in Texas: First Steps
If you’re in an accident where the other driver is uninsured, your first concern should be your safety and well-being. After ensuring everyone’s safety and documenting the scene, the next step is understanding your options for compensation, as the uninsured at-fault driver in Texas may not have the resources to cover your damages.
Use Uninsured/Underinsured Motorist (UM/UIM) Coverage
In Texas, uninsured/underinsured motorist (UM/UIM) coverage can be a lifesaver when the at-fault driver has no insurance. UM/UIM coverage comes standard in most policies unless drivers opt out in writing. This coverage can help pay for medical bills, property damage, and lost wages if the uninsured at-fault driver cannot pay.
Personal Injury Protection (PIP)
Personal Injury Protection (PIP) coverage provides crucial support if an uninsured driver hits you. PIP covers medical expenses, lost wages, and other costs, regardless of who caused the accident.
Filing a Lawsuit Against the Uninsured Driver in Texas
In some cases, you may want to file a personal injury lawsuit against the uninsured at-fault driver in Texas. However, this route can be challenging if the driver doesn’t have the financial means to pay a settlement or judgment.
A qualified attorney can help determine whether pursuing legal action is worth it based on the other driver’s ability to pay.
Texas Comparative Fault Law and Uninsured Drivers
Under Texas’s comparative fault law, the court considers each party’s responsibility in causing the accident. When an uninsured driver causes an accident, proving the driver’s primary fault ensures you receive proper compensation, even without insurance.
Other Options for Compensation
When dealing with an uninsured at-fault driver in Texas, you may be able to explore additional options, such as filing claims against your collision coverage for property damage. In certain cases, third-party liability claims may also be an option if other factors contributed to the accident, such as a faulty vehicle or road conditions.
After an accident with an uninsured driver, seek legal advice immediately to protect your rights.
If you’ve been in an accident with an uninsured driver in Texas, contact Villalobos Law Firm today. Our legal team will guide you through the complexities of your case, ensuring that you explore every option for receiving the compensation you deserve.
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