What If the Other Driver Doesn’t Have Insurance?
When you get into a car accident that was caused by another driver, you expect to have your vehicle repair bills and medical expenses paid for out of their insurance. That’s how the system works in the state of Texas, right?
But what if the other driver doesn’t have insurance? Will you still receive compensation? Or will you have to drain your own bank accounts to pay your bills?
The answers to these questions typically depend on how hard you are willing to fight for financial restitution, and how skilled your attorney is. So, if you have been hit by an uninsured driver, don’t hesitate. Reach out to the experts here at Lorenz & Lorenz, LLP, for assistance as quickly as possible.
How Our Law Firm Can Help If You Are Involved in an Accident with a Driver Who Doesn’t Have Insurance
The attorneys here at Lorenz & Lorenz, LLP, work tirelessly every day to provide the people of Texas with top-class legal services. When you ask us to help you fight for financial restitution after you get into an accident with an uninsured driver, we will:
Walk You Through Your Legal Options
Fighting for compensation after a car accident that was caused by an uninsured driver can be quite a complex process. Fortunately, you won’t need to figure out how to navigate it alone.
Our attorneys have been fighting on behalf of car accident victims for years. When you work with us, we will use all of our experience to thoroughly analyze your case and provide you with a detailed breakdown of your legal options.
Search for Evidence to Help Your Case
To successfully recover compensation for your collision with an uninsured driver, you will almost certainly need to prove that:
- The other driver caused the accident
- The accident caused you to become injured or suffer property damage
- Your damages are as extensive as you claim
To prove these three points, you will need to gather evidence, such as:
- Police reports
- Traffic camera footage
- Witness statements
- Medical records
- Auto repair bills
When you work with the Lorenz & Lorenz, LLP, legal team, we will work diligently to try to help you find the evidence you need to prove your case.
Represent You in Court
Depending on the circumstances surrounding your collision with an uninsured driver, your pursuit of compensation may end up in court. There, a judge will review your case and determine whether or not you should receive any financial restitution. If they rule in your favor, they will also decide how large your check should be.
The attorneys here at Lorenz & Lorenz, LLP, have years of experience representing car accident victims in court. As such, we understand how to argue a case in a clear and concise manner. When you hire our law firm, you can feel confident that you will receive a fair hearing in court.
If you were involved in a car crash in which the at-fault driver did not have adequate insurance coverages, and would like to have our law firm help you fight for compensation, all you need to do is pick up the phone and give us a call. We are always ready, willing, and able to assist our friends and neighbors here in Texas.
Uninsured Motorists in Texas – Understanding the Problem
In the state of Texas, all motorists are required to carry liability insurance with the following minimum limits:
- $25,000 of property damage coverage
- $30,000 of bodily injury coverage per person
- $60,000 of bodily injury coverage per accident
After most car accidents, this mandatory auto insurance policy is used to cover the medical bills and other expenses of the victim.
However, despite the fact that it is a legal necessity, not every driver in Texas carries a valid car insurance policy. In fact, according to the Insurance Information Institute, approximately 14.1 percent of the motorists in the Lone Star State are uninsured.
Drivers that don’t have insurance can cause serious problems for those that do. For example, when an individual is hit by an uninsured motorist, they often have trouble obtaining the money they need to cover their damages. As a result, they sometimes end up having to pay for their bills out of their own pocket.
The lawyers here at Lorenz & Lorenz, LLP, are experts in all facets of Texas insurance law. If you have been involved in an accident with a driver that doesn’t have insurance, please do not hesitate to reach out to us. We may be able to help you recover some much-needed compensation.
How Should Motorists React If They Are Hit By an Uninsured Driver?
When a motorist gets into a crash with an uninsured driver, they often do not know what steps to take next. This is not a situation that most people encounter very frequently, after all. Most people do carry insurance, so minor car collisions are usually fairly easy to handle.
So, what should motorists do if they get hit by an uninsured driver? Well, though every case is different, the following steps are usually a good place to start:
Call the Police
All traffic collisions should be reported to the police – whether the other driver has insurance or not. Doing so ensures that an official record of the crash is kept on file, where it can be easily accessed if needed again in the future.
Do Not Accept a Cash Payment
When a driver doesn’t have insurance, they often attempt to pay accident victims off in cash to avoid legal trouble. However, since accepting this offer may prevent injured parties from pursuing additional compensation, it is always wise to turn it down.
Take Plenty of Pictures of the Scene
In the immediate aftermath of any accident, it is always smart to take lots of pictures of the scene. These photos may prove to be key evidence in any ensuing legal proceedings.
Contact an Experienced Lawyer
Anyone who is struck by an uninsured driver should retain the services of a skilled attorney as quickly as possible. That lawyer can then walk them through the legal process and communicate with their insurance company on their behalf.
Have you recently been involved in a collision with an uninsured driver in Texas? If so, please do not hesitate to reach out to the legal team here at Lorenz & Lorenz, LLP. We are ready to stand up and help you fight for the compensation you deserve.
Recovering Compensation After Getting into an Accident with an Uninsured Driver in Texas
Motorists who are struck by uninsured drivers have two main options for pursuing the compensation they need and deserve. They are:
Filing Suit Against the Uninsured Driver
Texas is a comparative fault state. This fact means that drivers are required to take financial responsibility for any car crash for which they are more than 50 percent at-fault. Most drivers meet their obligations by carrying valid liability insurance.
When a driver that does not have insurance causes an accident, they are still liable for the ensuing damages. However, since they are uninsured, they typically need to cover these costs out of their own pocket. The victim or victims of the accident have the right to file suit against them to force them to do just that.
Generally speaking, however, drivers that don’t have insurance also don’t have enough money to pay for another person’s vehicle repair bills and medical expenses. As such, some victims never receive any financial restitution from the driver that caused their accident – even after a judge rules in their favor.
Filing a Claim with Their Own Insurance Company
Given the difficulties of filing suit against a driver that does not have insurance, many accident victims find that the surest path to a compensation check is through their own insurance company.
In Texas, insurance companies are required to include uninsured motorist coverage in every policy – unless their customer explicitly turns it down. As such, most victims can claim the compensation they need to pay their post-accident expenses from their insurer. They just need to pay the deductible.
Of course, insurance companies don’t always make it easy to recover this compensation. It is not uncommon for them to deny valid claims or ask for additional evidence prior to releasing the funds. As such, it is generally advisable for victims to hire an experienced attorney to represent them throughout the claims process if they suspect the insurance company is acting in bad faith.
Do you need a car accident lawyer to help you fight for financial restitution? Then please contact the team here at Lorenz & Lorenz, LLP, in Texas as soon as possible. We would love to meet with you to learn more about your case.
What If the Other Driver Doesn’t Have Insurance? Lorenz & Lorenz, LLP, Can Help
The legal team here at Lorenz & Lorenz, LLP, has been helping the people of Texas battle for financial restitution after their car accidents for years. As such, we have the knowledge and skill needed to handle just about any case – no matter how complex it may be. If you were involved in a collision with a driver that did not have adequate coverage, please reach out and set up a free consultation with one of our attorneys to learn more about your legal options.