What if the driver who hit me was uninsured?

If you were in a car accident with an uninsured driver, it’s much more difficult to get money for damages. Even if you sue the driver in court, if he doesn’t have insurance, he’s not likely to have other assets that could compensate you for your injuries. That’s why it’s important to hire a personal injury attorney to help. Car accidents with uninsured drivers

How Will I Receive Compensation If the Other Driver Was Uninsured?

Even though Texas does not require drivers to purchase insurance, drivers are still obligated to pay for any damages they cause in a car accident. Most people meet this requirement by carrying insurance, but those who don’t are still liable for your medical costs and other losses if they cause your injuries. Our legal team will first determine if the uninsured driver has other assets that can be seized to pay your settlement. However they rarely do.

The next source of compensation will be your own insurance policy—specifically your uninsured/underinsured motorist (UM/UIM) coverage. This coverage must be offered by all insurance companies, and you must reject it in writing if you don’t want it. Most Texas drivers have the coverage, whether they know it or not. If your UM/UIM policy does not cover all of your medical expenses, your health insurance provider should cover the rest.

Parker Law Firm Works for You

After your accident, Parker Law Firm will work tirelessly to find sources of compensation, and our fees will never exceed your recovery. Additionally our team will fight to reduce the amount that must be paid back to your health insurance company and medical providers out of your settlement. These payments can be negotiable—when you have the right negotiator on your side. We will always put your needs first. Call us today to schedule a free consultation.


W. Bradley Parker
Protecting the rights of North Texas personal injury victims since 1985.