Woman and man talking on the phone following a car accident

Who Pays for Damages When Involved in an Accident with an Uninsured Motorist

Accidents with Uninsured Motorists

Every day, we get in our cars without considering the possibility of being involved in a car accident. The truth is accidents happen all the time, and another driver's negligence often causes them. Depending on your state, there are different laws regarding accidents involving uninsured motorists. In Texas, however, it is illegal to drive without insurance coverage, and penalties can result in fines and suspension of your driver's license.

If you're involved in an accident with an uninsured driver, you may be stuck paying medical bills and other damages out of your pocket. This can leave you feeling angry, frustrated, and helpless. However, there are various options for getting the compensation you deserve, making it essential to know the steps following an uninsured motorist accident.

What Is an Uninsured Motorist?

An uninsured motorist can be defined as a driver who does not have the minimum insurance required by law or any insurance. In some states, this minimum amount can be as low as $15,000 for bodily injury per person involved in an accident. So, if you're involved in an accident with an uninsured driver who only has the minimum amount of coverage, and you have $20,000 in medical bills, you may be stuck paying the difference out of your pocket.

What Are My Options When Involved in a Car Accident with an Uninsured Motorist?

There are a few options available to people who have been involved in accidents with uninsured motorists.

Check Your Insurance Coverage

Suppose you have collision or uninsured motorist coverage as part of your auto insurance policy. In that case, your insurance company will help pay for damages to your vehicle up to the limits of your policy. However, they will not pay for any injuries you or your passengers sustained. For that, you will need to seek other sources of compensation, such as filing a personal injury lawsuit against the at-fault driver or using your health insurance policy if you have one.

Uninsured Motorist Claim

Another option available to some people is to file a claim with their state's Uninsured Motorists Fund (UMF). The UMF is a fund set up by some states to help people who have been involved in accidents with uninsured motorists recoup their losses. Each state has different requirements for this, so it's essential to research ahead of time.

Take Them to Court

You may also be able to sue the other driver personally. We recommend hiring an experienced personal injury attorney who will know how to get the most out of your case from the negligent party. However, even if you win a judgment against them, collecting on that judgment can be difficult if they don't have any money or property.

If you have been involved in an accident with an uninsured driver, The Shellist Law Firm, PLLC will work tirelessly and leave no stone unturned to fight for what you deserve. Contact us today so we can review your case and assess your options. (713) 999-6855