What Happens if The Person At-Fault in An Accident Has no Insurance in Texas?

In Texas, drivers are required by law to have liability insurance that covers potential injuries and damages they might cause to others in a car accident. However, it’s unfortunate that not everyone adheres to these regulations. If you’re involved in an accident, and the at-fault driver is uninsured, it can be stressful, but there are pathways to seek redress.

1. Your Insurance: The first thing you should consider is your insurance policy. In Texas, insurance companies offer Uninsured/Underinsured Motorist (UM/UIM) coverage. If you’ve opted for this coverage, your insurance can cover your losses up to the policy limits. It’s meant to protect you in situations like this – where the at-fault party doesn’t have insurance or insufficient coverage.

2. Personal Injury Protection (PIP) Coverage: Texas insurance policies automatically come with Personal Injury Protection unless you’ve explicitly rejected it in writing. PIP can help cover medical expenses and lost wages up to the policy limit, regardless of who was at fault in the accident.

3. Legal Action: If the uninsured driver has personal assets, it might be possible to sue them directly. While it can be a more challenging route, mainly if the at-fault party has limited resources, it’s an avenue we at TK Injury Lawyers can help explore.

4. Collision Coverage: Another component of your insurance that can be beneficial is your collision coverage. It’s designed to cover vehicle repairs or replacement after an accident. While you might have to pay a deductible, it can be a way to ensure that you’re not left without transportation.

5. Crime Victims Compensation Fund: If the uninsured driver was also committing a crime at the time of the accident, such as DUI, you might be eligible for assistance from the Texas Crime Victims Compensation Fund. This fund can provide financial services for various out-of-pocket expenses.

While the situation is undoubtedly frustrating, having a seasoned attorney by your side can ease the process. At TK Injury Lawyers, we specialize in navigating complex problems like this. We are dedicated to ensuring that victims are not left bearing the financial burden of someone else’s negligence.

Disclaimer: The above response is for informational purposes only and should not be construed as legal advice. Always consult with a truck accident lawyer regarding your specific situation.