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What Are My Options After a Car Accident With an Uninsured Driver?

Posted on in Auto Accidents

Houston uninsured car accident attorneyIf you have been injured by another driver in a car accident, you may need to deal with a variety of issues, including receiving treatment for your injuries, being unable to work while you are recovering, and repairing or replacing a damaged vehicle. If the driver who caused a collision did not have insurance, you may be worried about how you will be able to cover your expenses and make a full recovery. Fortunately, by working with a personal injury attorney, you can determine your options for receiving insurance coverage or pursuing compensation from other sources.

Uninsured/Underinsured Motorist Coverage

If the driver who was at fault for a car wreck was uninsured, you can usually receive coverage through your own auto insurance policy. All car insurance policies are required to include uninsured and underinsured motorist coverage. Uninsured motorist coverage will address situations where an at-fault driver had no insurance, and underinsured motorist coverage will be available in cases where a driver’s insurance policy will not fully cover your expenses. Uninsured/underinsured motorist coverage must be provided at the minimum amounts for liability insurance. In Texas, these amounts are $30,000 for the bodily injury or death of one person, $60,000 for the bodily injury or death of two or more people, and $25,000 for property damage.

While your own insurance policy will provide you with coverage in cases where another driver did not have insurance, receiving payments that fully address your injuries and damages can sometimes be difficult. A skilled attorney can speak to your insurance company on your behalf and negotiate a settlement that will fully cover your injuries and property damage.

Pursuing Compensation From Other Parties

If it will not be possible to recover compensation from an at-fault driver due to their lack of insurance coverage, you may be able to take legal action against other parties who may have been partially responsible for an accident. For instance, a vehicle or auto parts manufacturer may be held liable for injuries that occurred because of the failure of parts such as brakes, tires, airbags, or seat belts. If an accident took place because a road or intersection was dangerous, a government organization may be held responsible for its failure to protect people’s safety. An experienced lawyer can help you identify all parties who were liable for an accident and pursue compensation for your injuries and damages.

Contact Our Harris County Uninsured Driver Accident Lawyers

If you are concerned about your ability to receive compensation after an accident involving an uninsured driver, the Law Office of Shane R. Kadlec can advise you of your options and provide you with legal representation. We will work to determine the sources of compensation that may be available, and we will make sure you take the correct steps to receive the financial resources that will allow you to recover from your injuries. Contact our Houston car accident attorneys today at 281-643-2000 to arrange a free consultation.

Sources:

https://www.tdi.texas.gov/tips/uninsured-motorist-coverage.html

https://statutes.capitol.texas.gov/Docs/IN/htm/IN.1952.htm

https://statutes.capitol.texas.gov/Docs/TN/htm/TN.601.htm

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