Texas Car Accident: What Happens if the Other Driver is an Uninsured Driver?
When you are in a Texas car accident, state law allows you to seek compensation from the liable party’s insurance company for any property damages or injuries. But what happens when you are in a Texas car accident, and the other party is uninsured?
If The Liable Party in Your Texas Car Accident Is Uninsured, You Have a Few Options:
1. Turn to your health insurance to cover your treatment costs, and pay the rest out of pocket
2. File an insurance claim tapping your uninsured motorist coverage, OR
3. File a personal injury claim against the liable driver.
Depending on Your Health Insurance to Cover Costs After a Car Accident with an Uninsured Driver:
Should you rely on your health insurance to cover costs after a Texas car accident with an uninsured driver? No, avoid this whenever possible. Relying on your health insurance coverage after an accident would leave you facing any deductibles and copays for medical care and treatment. Other losses and costs would come from your personal savings or leave you in debt. Avoid turning to your health care coverage after a car accident – contact an experienced personal injury attorney today.
Turning to Your Uninsured Motorist Insurance to File a Claim:
In Texas, drivers can opt-out of uninsured motorist coverage. Unless you submitted this request in writing to your insurance company, you likely have uninsured motorist coverage in your current auto policy. In Texas, the uninsured and underinsured coverage automatically comes in an amount equal to the auto liability policy. Even though you are working with your own insurance company, when you are turning to your uninsured motorist coverage, you will need the help of a personal injury attorney to:
- Investigate the accident
- Prove the uninsured driver was negligent/liable for the car accident
- Document any losses
- File a claim
- Negotiate a settlement
Filing a Personal Injury Claim After an Uninsured Driver Hits Your Car:
In some instances, working with a personal injury attorney can help you recover significant compensation by taking them to court. Whether or not filing a personal injury claim after a Texas car accident is a good idea depends on several factors. Find out if a personal injury claim would be worthwhile by discussing it with an experienced personal injury attorney.
If you’ve suffered an injury after an accident with an uninsured motorist, get in touch with an experienced Dallas, Texas personal injury attorney at Hudson Law Firm. We put Personal back into Personal Injury Law.