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Recovering Compensation After Getting Hit by a Driver with No Insurance

Texas law requires that motorists carry auto insurance, but many drivers fail to have the coverage they need. When you are hit by an uninsured motorist, you will likely wonder how you will get your vehicle repaired and who will pay for your injuries. There are a few options for individuals who are hit by a driver that does not have insurance, but you should discuss your case with an experienced lawyer to understand your legal options.

At the Karam Law Office, our legal team helps people who have been seriously injured by uninsured motorists in Texas. We fight hard to ensure that they receive the recovery they deserve after an accident. If you or a loved one was involved in a collision with a driver who did not have insurance, contact our office at (832) 859-8453 for a free consultation. 

What Is an Uninsured Motorist?

An uninsured motorist is someone who does not have insurance either because they are not covered by a policy or because they are driving without insurance. 

The Insurance Information Institute (III) estimates that approximately 8.3% of Texas motorists are uninsured. Nationwide an estimated 12.6% of drivers are driving without insurance.

How Do I Get Compensation for a Collision with an Uninsured Motorist?

Getting hit by an uninsured motorist can make obtaining compensation for your injuries more difficult. Texas is an at-fault insurance state meaning that the at-fault driver must compensate a person injured in the accident for their losses. 

Most often, compensation is paid through the at-fault driver’s insurance policy. However, when the at-fault driver is uninsured, an injured party must seek alternative ways to get their damages covered.

Options for parties injured by an uninsured motorist include:

  • Paying for medical bills through their health insurance policy
  • Filing a claim with their own insurance
  • Suing the negligent driver 

You should check your policy to determine if you have uninsured motorist coverage. While it is automatically put into your insurance policy, you may have opted out of the coverage. 

What to Do If an Uninsured Motorist Caused Your Injuries

If you were hit by an uninsured motorist, you should contact a car accident lawyer to discuss your legal options. A lawyer can help determine whether you should pursue a lawsuit against the at-fault, uninsured driver, file a claim through your own insurance policy, or use your medical insurance to pay for injury-related expenses. 

Remember, you only have a limited amount of time to file a lawsuit based on personal injury. You need to act quickly to protect your rights. An attorney can help investigate the accident, determine the best course of legal action, and file a claim on your behalf. 

Hiring a Car Accident Lawyer in Texas

Were you hit by an uninsured motorist? Contact our office today for a free, no-obligation consultation. Call (832) 859-8453 to discuss your case with an experienced attorney. 

At the Karam Law Office, we offer fierce representation for car accident victims and their families. Get the results you deserve. Call now to get started.