Will I be stuck paying all of the bills for my car accident if the other driver is uninsured?

Being a car accident victim is always a scary, stressful, and emotionally draining experience, and this is particularly true when an uninsured or underinsured motorist caused the collision.

Even worse, in the case of a hit-and-run accident, it may not be possible to identify the responsible driver at all. Accident victims injured in a collision with an uninsured driver may receive compensation through uninsured motorist insurance coverage, or by filing a lawsuit against the responsible party.

Uninsured and Underinsured Motorist Coverage

Texas law requires all motorists to carry liability insurance, yet plenty of drivers in the state don’t. According to a 2017 study conducted by the Insurance Research Council, over 14 percent of Texas motorists were uninsured during 2015.

Uninsured and underinsured motorist coverages are frequently mentioned together, but they serve two different purposes.

  • Uninsured motorist coverage provides compensation when the driver responsible for a collision lacks insurance.
  • Underinsured motorist coverage kicks in when the other driver’s insurance is inadequate to compensate the injury victim.

In Texas, it isn’t mandatory to add these to your policy, but insurance companies are required to offer them to all drivers.

Receiving Compensation

While purchasing uninsured and underinsured motorist coverage might provide compensation if an uninsured driver injures you, insurance companies are often reluctant to pay these claims. They employ legal counsel to limit insurance payouts, and these lawyers fight uninsured motorist claims just as vigorously as third-party ones. 

An experienced vehicle accident attorney will help you fight the insurance company to secure necessary compensation. Drivers who haven’t opted for uninsured and underinsured motorist coverage may pursue damages by filing a personal injury lawsuit against the uninsured driver. A lawsuit is particularly effective when the uninsured driver was under the influence of drugs or alcohol at the time of the collision.


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