If you’ve been injured in an auto accident after being hit by an uninsured driver, you need to speak with an experienced auto accident lawyer right away. Contact us online or call to schedule your free consultation.
Brad Parker, the founder of Parker Law Firm, tell us what we can do after being involved in a car accident with an uninsured driver.
An estimated 20 percent of drivers in Texas that don’t have insurance hit the roads every day, according to the Texas Department of Insurance. This is a scary thought for the rest of us on the roads. That percentage means that there is a one in five chance any car accident will involve an uninsured driver.
The minimum insurance requirements in Texas are $30,000 per person per incident up to $60,000. Each person driving on the road is supposed to have an insurance policy that will pay someone who they injure up to $30,000. It will also pay if there are two people in the car or even three, four or five, up to $60,000 divided between all the occupants of the vehicle. That is not a lot of money in the grand scheme of things. Especially if you are seriously injured and spend an extended period of time in the hospital.
One of the most beneficial types of insurance that you can have is Uninsured/Underinsured Motorist Coverage (UI/UIM). That is insurance that you buy for yourself and your family that will help pay the bills in the event that the person who hits you does not have enough insurance or they are completely uninsured.
UI/UIM coverage can offer protection if you’re in an accident with one of those drivers. As long as you’ve chosen sufficient limits on the policy, UI/UIM can cover your medical bills and bodily injury resulting from an accident with someone who does not have sufficient insurance. Coverage extends to you, your family, and your passengers. As a pedestrian, if you are hit by an uninsured driver, you can be covered.
Someone doesn’t go to jail for not having insurance. They can and oftentimes do lose their driver’s license, but that is about the extent of it. This is the No. 1 reason drivers need as much coverage that they can possibly afford in order to protect themselves against those that are not responsible. If you are involved in a serious car crash, your UI/UIM insurance may be the only insurance available to compensate you for your injuries. Even if the negligent party has insurance, they may not have enough.
The Texas Department of Insurance outlines what coverage is required for Texas drivers. Texas law only requires a minimum of $30,000. If you are seriously injured, $30,000 will not be anywhere near enough insurance to properly compensate you. If the negligent driver does not have any assets, then your injuries and damages are not going to be fully satisfied unless you have protected yourself by buying the UI/UIM coverage.
If you were hit by an uninsured driver in Texas, state law allows you to hold the motorist who caused your accident responsible for the damages you suffered. However, you may discover that getting the financial recovery you need and deserve is extremely complicated. This is where our auto accident attorneys can come in to help you determine which course of legal action you can take. In general, you have three options for recovering funds to pay your medical bills, cover lost wages, and get your vehicle repaired. You can:
Insurance companies are for-profit companies. In other words, insurance companies are in business to make money. If they can give you less money for your accident, that means that they get to keep more money in their pocket. Here are some tricks to remember that insurance companies use and their motives:
Unless you find yourself dealing with an independently wealthy motorist, it is highly unlikely that a lawsuit against an uninsured driver is going to result in a suitable monetary award. Most under or uninsured drivers don’t carry the insurance they need because they can’t afford it. A lawsuit cannot take money from a defendant that doesn’t have any.
When analyzing which damages you can pursue, our car accident attorneys must look at these factors:
After reviewing these aspects, we can go after recovery for the following:
If you’ve been injured in a car accident with an uninsured or underinsured driver, you need to speak with our Texas personal injury lawyers as soon as possible. Call our Fort Worth, Texas office directly at 817-318-6781 to schedule your free consultation. We help car accident victims throughout Dallas, Fort Worth, Arlington as well as all areas of Texas.
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