Handling an Uninsured Driver Accident

Being injured in a car accident when someone else was at fault will entitle you to damages for your injuries and associated costs. This compensation is generally provided for by the insurance company of the driver who caused the accident. If you have been in an accident with an uninsured driver, you may be asking yourself, what now? Who pays for my damages? 

An experienced Austin car accident attorney from TK Injury Lawyers is ready to advise you with a risk-free assessment of your case. Read on to learn more about how your car accident attorney can help your case with an uninsured driver. 

Do Insurance Companies Go After Uninsured Drivers?

While all drivers are generally required by law to carry insurance, this does not stop some individuals from getting behind the wheel without insurance. Some states and areas have higher proportions of uninsured drivers, which puts you at risk of being in an accident with an uninsured driver. When this happens, your claim will generally pass through your own insurance via your uninsured motorist coverage. This means that you would only be responsible for your deductible and are entitled to compensation for everything else within your policy’s limits.

How Much Can I Collect from an Uninsured Motorist Claim?

The amount you are able to collect from your accident with an uninsured motorist will depend upon the unique facts and circumstances of your accident, in addition to the uninsured motorist coverage offered in your insurance policy. For example, if your policy covers one hundred thousand dollars, and your injuries amount to two hundred thousand dollars, you might still be left having to cover one hundred thousand in costs beyond the limit to your insurance.

Your insurer will only go after the uninsured driver up to the amount they paid out to you, so if your damages go over, you cannot count on the insurance company to pursue your damages. However, you can count on your attorney to ensure that you collect the most compensation possible in your claim. Your insurer may try and lowball you or get you to accept a low settlement amount.

Can I Sue an Uninsured Driver?

If you have been hit by an uninsured motorist, generally you are able to sue them for your damages. Any damages that you suffered due to the collision can be sued for, including:

1. Medical bills and expenses
2. Damage to your vehicle and other property
3. Lost wages and work-related benefits
4. Pain and suffering
5. Loss of earnings potential

Depending upon the unique facts and circumstances of your accident, the best option may be to contact an Austin car accident lawyer as soon as possible after your emergency medical care.

Connect with a Texas Car Accident Lawyer Now

Reach out to Terry and Kelly Injury Lawyers to schedule a consultation to discuss options regarding your car accident injury claim today. We can evaluate your options and begin protecting your rights.