What do I do if the Other Driver doesn't have Insurance?

Transcript

So you’ve been involved in an automobile accident and now you learn that the other side doesn’t have insurance to cover the losses they’ve caused. What do you do?

Hi, I’m Brad Parker, the attorney you want but hope you never need. This is another edition of Bar Talk. Give me 90 seconds and I’ll give you an answer. Come on in.  

So, you’ve been involved in an accident and find out the other side doesn’t have insurance. In Texas, It’s a requirement that you have at least $30,000 in liability insurance in order to drive on the streets and highways.

Unfortunately, a lot of people drive, notwithstanding the fact that they don’t have any insurance. This can be very, very problematic. That’s why it’s so important to have underinsured/uninsured motorist coverage. That provides the opportunity for you to make a claim against your own insurance company when someone doesn’t have insurance.

In the Dallas-Fort Worth area there are hundreds if not literally thousands of drivers driving around without insurance. And This is the best to protect yourself in those situations. So, if you find out that the other person doesn’t have enough insurance or worst yet that they don’t have any insurance, you need to be sure to call your own insurance company and file the claim with them. Assuming you bought uninsured/underinsured motorist coverage.

I hope this has helped. If you have any questions, give us a call, I’ll be happy to answer anything I can.

This is Brad Parker, the attorney you want but hope you never need and this is another edition of Bar Talk. Until next time.

For more information about the legal process and your rights, download our free book at Parkerlawfirm.com.