Imagine getting into a car accident with an uninsured driver. In Texas, this happens far more often than most people think, and it leaves many drivers wondering how they’ll pay for medical bills, vehicle repairs, and other damages.
Texas consistently ranks among the states with a high percentage of uninsured drivers, which makes it especially important for Houston, Dallas, and San Antonio residents to understand their rights. This guide walks you through how common the problem is, what happens if you get into a car accident with an uninsured driver, and the steps you can take to protect yourself — including when it’s time to call a car accident lawyer for help.
If you’ve been injured in an accident with an uninsured driver, contact AK Law Firm for a free consultation.
Here’s a checklist to follow if you’ve been in an accident with an uninsured driver:
- Ensure Safety & Call 911 – Get medical attention if needed and wait for law enforcement. A police report is vital for your insurance claim and any future legal action.
- Document the Scene – Take photos of the vehicles, road conditions, and any injuries. Collect contact information from witnesses.
- Exchange Available Information – Even if the other driver admits they don’t have insurance, get their name, license plate number, and vehicle details.
- Report to Your Insurer – Notify your insurance company as soon as possible to begin the UM/UIM claim process.
- Consult a Local Attorney – Laws can be complex, and insurance companies often push back. Contact AK Law Firm in our Houston, Dallas, or San Antonio office to understand your legal rights and next steps.
Legal Recourse and When to Hire an Attorney
Even when you have UM/UIM coverage, insurers may delay, undervalue, or deny claims. If your damages exceed policy limits or the insurance company won’t cooperate, legal representation becomes essential.
An experienced car accident attorney can:
- Review your policy and confirm coverage details
- Collect and present evidence of your damages
- Negotiate with insurers for a fair settlement
- File a lawsuit if needed against the at-fault driver or other liable parties
If you’re wondering whether it’s worth getting a car accident attorney, the answer is almost always yes when you’re dealing with uninsured motorists. Without representation, you risk being left with medical bills and repair costs that could have been covered.
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FAQ
What if the uninsured driver flees the scene?
This is considered a hit-and-run, and your UM coverage can still apply. If you carry UM insurance, it may cover both bodily injury and property damage from the accident.
Can my passengers file a UM/UIM claim?
Yes. Passengers in your vehicle are generally eligible to recover under your UM/UIM policy if they suffer injuries in the accident.
Is uninsured motorist coverage required in Texas?
No, but state law requires that insurance companies must offer you $30,000 in minimum UM/UIM coverage. Unless you signed a written waiver rejecting it, UM/UIM coverage is automatically included in your policy.
How much UM/UIM coverage should I carry?
Many experts recommend limits higher than the Texas minimums. Since medical bills and vehicle costs often exceed 30/60/25, higher limits can provide much stronger protection.
Does property damage inside my vehicle count?
Yes. UM property damage coverage can extend to personal items damaged in the crash, such as laptops, car seats, or other valuables inside your car.
How much does UM/UIM coverage cost?
On average, adding UM/UIM coverage costs under $100 per year, making it one of the most valuable protections for the price.
What if the at-fault driver is underinsured?
UIM coverage applies when the driver has insurance, but it’s not enough to cover your total damages. Your policy can step in to pay the difference.
Can I sue an uninsured driver directly?
Yes, but results depend on whether that driver has income or assets. Many uninsured drivers don’t, which is why UM coverage is so important.
Get a Free Case Review Today
If you’ve been in an accident with an uninsured driver in Houston, Dallas, or San Antonio, don’t navigate the process alone. Our team at AK Law Firm is ready to review your case, explain your options, and fight for the compensation you need to move forward.
Contact us today to schedule your free consultation and get the legal support you deserve.
Call or text (866) 693-7098 or complete a Free Case Evaluation form