What if the other driver doesn't have insurance?
The damage caused by a motor vehicle accident - damage to your vehicle, medical expenses, and lost wages, to name just a few - can easily run into tens of thousands of dollars. Most people don't have the financial ability to pay for damage like this themselves, which, of course, is why Texas requires all vehicle owners to maintain auto liability insurance. Unfortunately, not everyone complies with this requirement, and a significant percentage of drivers on the road today are driving without insurance of any kind.
If the other driver doesn't have liability insurance, it is important that you have uninsured motorist coverage on your own auto policy. This type of coverage is specifically designed to cover situations where the other driver does not have insurance. With uninsured motorist coverage, a claim is made on your own insurance policy for the damages incurred in connection with the accident. Although people sometimes assume that if they are making a claim with their own insurance company, they don't need a lawyer, nothing could be further from the truth. I've found that when an uninsured motorist claim is made on a person's own policy, the person's insurance company turns on their own customer, and the process becomes just as adversarial and potentially unfair as if the person were dealing instead with the other driver's insurance company.
If you are injured in an automobile accident due to the negligence of others, you need to contact an experienced personal injury attorney. Contact us today.