Texas law requires every driver to carry an auto insurance policy. Even so, some reckless individuals choose to drive uninsured due to the cost of a policy or because their vehicle would not qualify for coverage. In a typical crash, you could seek compensation from the at-fault driver’s insurance company. However, when that driver is uninsured, the situation becomes somewhat more complicated. How can you pursue compensation in these scenarios?
From the other driver personally
If necessary, you could attempt to obtain compensation directly from the at-fault driver’s own pocket. The problem with this option is that if the driver was not paying for an insurance policy, they likely lack the funds needed to cover your damages.
It is important not to accept a cash settlement without first getting an inspection of the vehicle damage and a medical evaluation. If you accept a settlement, you will not be able to seek further compensation later if hidden damage is discovered days or weeks after the accident.
If the other driver cannot provide the compensation you need, do not worry; you have other options available.
From your own insurance
After speaking with your attorney, you can review your insurance policy and contact your insurance company. Some insurance policies provide coverage for damages that cannot be compensated by the other driver’s insurance—known as uninsured motorist coverage. If you have this type of insurance, you may be able to secure everything needed to cover your damages.
A car accident is stressful enough on its own without the added stress of struggling to figure out how to obtain compensation. With legal guidance from an experienced car accident attorney, you can likely find a way to cover all the expenses resulting from your unfortunate accident.
To schedule an appointment at the Houston office, call (832) 742-6300 or contact Ryan online.
