What Happens if the Other Driver is Uninsured?

What Happens if the Other Driver is Uninsured?

So, the other driver doesn’t have insurance or their insurance is insufficient to cover the damages, what happens now?
If you have been injured and the at-fault party has no insurance to cover your damages, you might still have some options for compensation.
For example, there is the Letter of Protection.
Texas laws require financial responsibility from all motorists and they must carry the minimum amount of liability insurance to cover damages caused by their negligence.
This amount was increased in 2019 from $25,000 to its current amount of $30,000 for each person.
Even still, $25,000 to $30,000 will still not be able to cover most damages and fully compensate people injured in an accident.
Even though there are laws that make carrying insurance a mandatory responsibility, many people in Texas simply don’t carry this insurance.

Our attorney will perform an investigation into the other ways the at-fault party could provide compensation without insurance.
But those without insurance don’t usually have the assets to cover the damages either.
But, there is still a way to recover compensation. One other option may be the demand letter.
Texas laws also require your insurance provider to offer you Uninsured/Underinsured Motorist coverage, also called UM/UIM.
This law acts as a safeguard to protect victims of an accident from being left with no options after being injured by another’s negligence on the roads.

Because the law requires this coverage to be offered, the only way you will not have this coverage I if you specifically declined it in writing.
If you did not submit any such rejection, there is a good chance you still have this coverage.
This should amount to the coverage limits you pay for liability protection.
There will be some important points that will need to be followed before you can hope to rely on your UM/UIM coverage.
You can find more information on this inside your insurance policy.
You can also expect some insurance providers to make offsets of claim credits against the UM/UIM coverage they promise to provide and this is allowed to a certain extent by Texas Law.
Having an experienced legal aid guide you through this process and investigating all points of recovery is the best way to compensate for injuries.

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