What Happens if I Get in a Car Crash with an Uninsured Driver?

 Posted on September 25, 2023 in Car Accidents

Texas is known for many great things, but it is also known for having a lot of drivers who hit the road without car insurance, or they may not have enough coverage. In fact, Texas is one of the top ten states with the most uninsured drivers. You may be wondering, what happens if one of these uninsured or underinsured drivers gets into an accident with you? You need to call a skilled uninsured Texas attorney to help you. 

Who Will Pay for Damage to Your Car or Medical Bills?

If you ever get hurt in a car crash, it is important that you gather information like contact details and insurance information from the other drivers. If the driver who caused the accident has insurance, you can often get money to cover your damages by making a personal injury claim with their insurance company. However, if the other driver does not have insurance at all, you can turn to your auto insurance provider for help.

However, it can be tough to get the full compensation you deserve. That is why it is a smart idea to hire a lawyer to represent you in this process. Your insurance provider will want proof that the other driver was at fault, that you suffered injuries and losses, and that you received medical care. Your lawyer can assist in gathering the evidence and an attorney can help negotiate and ensure you get a fair settlement. 

Why Is Car Insurance Necessary?

Texas law requires car insurance companies to offer uninsured and underinsured motorist coverage. This is like a safety net for you. Here are two important reasons why the state wants you to have this coverage:

• Protection for Your Wallet: If the other driver in the accident does not have insurance, this coverage can help you pay for your medical bills, fix your car, and cover other losses you might have suffered in the accident.
• Encouraging Safe Driving: Without this coverage, if you get into an accident with a driver who does not have enough insurance, you may not get enough money to cover all your costs. This could make it really tough for you and may even discourage people from driving safely.

Schedule a free consultation with an El Paso County Uninsured Motorist Lawyer

If you have been in an accident and the other driver does not have insurance, you may be feeling lost. Whether you are trying to get compensation from the driver who caused the accident or through your insurance provider, you definitely need a Texas uninsured motorist attorney on your side. At James Kennedy, P.L.L.C., we are here to help. Give us a call at 915-544-5200 for a free consultation. We speak Spanish too, so don't hesitate to reach out.