Getting into a car accident is stressful enough, but it can feel even more overwhelming when the at-fault driver doesn’t have insurance. In Texas, where many drivers are on the road daily, uninsured motorist accidents happen more often than you’d think. The good news is there are ways to protect yourself and still recover the compensation you need.
Let’s walk through the steps you should take if you find yourself in this situation.
What Is an Uninsured Motorist Accident?
An uninsured motorist accident happens when you’re hit by a driver who doesn’t have liability insurance to cover your damages. Texas law requires drivers to carry insurance, but not everyone follows the rules. That’s why many people choose to add uninsured/underinsured motorist coverage (UM/UIM) to their policies.
Steps to Take After an Uninsured Motorist Accident
- Call the Police
Always call the police to the scene, even if the other driver doesn’t want to. A police report will document the accident, which is crucial for filing a claim with your insurance. - Get the Other Driver’s Information
Even if they don’t have insurance, get their name, contact details, and driver’s license number. - Take Photos and Gather Evidence
Document the damage to both vehicles, the scene of the accident, and any visible injuries. If there are witnesses, ask for their contact information. - Notify Your Insurance Company
Let your insurance company know about the accident as soon as possible. If you have UM/UIM coverage, this is when it comes into play. - Get Medical Attention
Even if you don’t feel injured right away, see a doctor. Some injuries, like whiplash or concussions, may not show symptoms until later. - Consult a Personal Injury Lawyer
If the accident has left you with significant injuries or damages, a lawyer can help ensure you get the compensation you’re entitled to through your UM/UIM coverage or other avenues.
What Does Uninsured/Underinsured Motorist Coverage Cover?
If you have UM/UIM coverage, it can help pay for:
- Medical bills
- Lost wages
- Pain and suffering
- Vehicle repairs
This type of coverage is a safety net for when the other driver can’t cover your losses.
Common Questions About Uninsured Motorist Accidents
1. Do I need uninsured motorist coverage in Texas?
While it’s not required, it’s highly recommended. Without it, you could be left covering all expenses out of pocket if the at-fault driver doesn’t have insurance.
2. Will my insurance rates go up if I file a UM/UIM claim?
Not usually, since the accident wasn’t your fault. However, it’s best to confirm this with your insurance provider.
3. Can I sue the at-fault driver if they don’t have insurance?
Yes, but recovering money from someone without insurance can be difficult, especially if they don’t have the financial means to pay a judgment.
Why Preparation Matters
Uninsured motorist accidents highlight the importance of being prepared. Having the right coverage and knowing what to do after an accident can make a world of difference in how quickly you recover physically, emotionally, and financially.
Wrapping It Up
Dealing with an uninsured motorist accident can be frustrating, but you’re not out of options. Following the steps above and having UM/UIM coverage in place can help you navigate the process with less stress.
If you’re unsure about your rights or need help with a claim, reaching out to a trusted attorney can give you the guidance and support you need. Remember, the goal is to protect yourself and get back on the road to recovery.
Your peace of mind matters, and being prepared ensures you’re never left stranded.
