When the Other Driver is Uninsured: What Happens?

When the Other Driver is Uninsured: What Happens?

There are enough stresses behind the wheel; the last thing you need is to be involved with another motorist who doesn’t possess insurance. However, this is a quite common occurrence. People still need to get from A to B, and when they can’t afford insurance, they simply refrain from getting it, making a collision a much bigger headache than it ever needed to be. In the state of Texas, this is what happens when they don’t carry insurance.

Houston is the Texas Capital of Uninsured Motorist Accidents

In all of Texas, most car accidents involving uninsured motorists occur in Houston. Nearly one-third of all drivers in the state do not carry insurance, meaning that every time you’re sitting at a red light with other cars, you’re surrounded by uninsured motorists at any given time of day.

Look at Your Policy

If you’re uncertain how your policy will be affected or introduced in a case revolving around uninsured motorists, the first step you should take is reviewing everything within your policy paperwork. If it doesn’t include uninsured motorist protection, consider making an amendment to your policy. While it is far from fair, and certainly not free, your odds of being involved in an accident with an uninsured driver are very high.

These coverage amendments or types may also include underinsured coverage, making up for a gap in coverage from underinsured drivers who do not meet updated thresholds for their insurance policies.

What if I Don’t Have Uninsured Motorist Protection?

That’s where proper legal counsel comes into play. Claims are never easy – the insurance companies make sure of that. Having proper legal representation can expedite your claim, as well as ensure it’s done appropriately to avoid insurance companies and their tricks.

It’s highly disregarded to communicate with your insurance company. Simply because you pay for a policy through them doesn’t mean that they are looking out for your best interest. They have specific positions held to try and pull the rug out from under anyone’s feet that tries to file a claim.

We don’t stand for that. We understand the laws governing Houston’s uninsured and underinsured motorist activity, and fight with your insurance company, should it come to that, to receive proper compensation, whether for personal injury or damages.

Does the Uninsured Driver Have to Pay For My Damages?

In Texas, collecting debt for damages dealt is extremely difficult when it comes directly from one’s own pocket. They may not have insurance due to financial strain, and therefore couldn’t pay for damages even if they tried. Apart from that, they have the option to file bankruptcy and retain all possessions. It’s a slippery slope.

Involved in a Car Accident in Houston With an Uninsured Driver?

If you’ve been involved in a car accident with an uninsured driver, we’re here to help. Call or message us today to find out how we can help. Having proper legal counsel in your corner when dealing with uninsured motorist claims is crucial to successfully receiving compensation.