Here’s What to Do If You’re Hit by an Uninsured Driver
Auto accidents are scary and stressful. They get even more stressful if the driver who hit you is uninsured. An uninsured driver is someone who has no insurance or who hits and runs. Not only are you suddenly burdened with car repairs and medical bills, but you’re now unsure of how to get the money to pay for them. We put together a guide to help you understand what to do if you find yourself in this situation in Texas.
Texas Law gives you the opportunity to buy uninsured motorist coverage to protect yourself. This coverage is optional, but your insurance company must offer you the opportunity to purchase it, and your refusal to purchase must be in writing. If the insurance company does not have your written refusal, they must provide you uninsured motorist coverage. This coverage protects you, your family members, passengers in your car, and anyone driving your car with your permission. It pays your medical and funeral expenses, car repairs, car rental, lost wages and other damages up to the limits that you have purchased.
Gather Information for your Insurance Company
First things first: call the police. At this point, it is important that you gather all the information you can about the accident, the driver, and the responding police. Get the other driver’s contact information, the make and model of their vehicle, their driver’s license, and their license plate. Take pictures of both cars and any damage sustained, as well as the roads you both were driving on and any traffic signs nearby. Lastly, get the name and badge number of the responding police officer in addition to the report number for your case.
How Does Texas Handle Fault in Auto Accidents?
Texas is an at-fault state, which means that in every car accident, the person who is determined to be at fault is responsible for covering the expenses of the other party. Typically, that means that their insurance company would pay for your damages. However, if the person who hit you is not insured, things get more complicated. At this stage, you should never accept any money from the driver who hit you. There’s no way to know what your costs will be ahead of time and accepting any money now may impact your ability to secure a full payment in the future.
Getting Compensation from an Uninsured Motorist
If you have uninsured motorist protection as part of your car insurance, then your insurance company should cover your costs. However, this can be a challenging process, because you must prove all your damages, which is why it’s important to have a well-informed lawyer who will aggressively protect your interests in court.
Car Accident Legal Assistance for South Texas
The Law Office of Joe Brad Brock has been assisting South Texas residents with personal injury and car accident legal services since 1991. With nearly three decades of experience, Joe Brad Brock has the knowledge and dedication to protect your rights to fair compensation and get you the best outcome possible. If you’ve been involved in a car accident with an uninsured motorist, call (361) 884-1086 today to schedule a personal appointment.