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Three things you can do if an uninsured driver hits your car

On Behalf of | Dec 28, 2022 | Car Accidents, Motor Vehicle Accidents, Personal Injury

Car accidents are common, yet they can cause catastrophic injuries and lifelong trauma. Ideally, insurance helps cover costs so you can return to as normal a state as you were in before the accident. When a person without insurance hits your car, is liable for the accident and does not have insurance, it can complicate things further for you.

Most insurance policies sold in Texas include some coverage for accidents with uninsured motorists. Still, it may not cover everything, and if your accident resulted in costs beyond what your insurance policy pays, you could find yourself in a difficult situation. However, you still have options in that case.

There are options for you if you find yourself in this situation, including:

  • File a claim with your medical insurance. While this sounds logical, your insurance company may resist approving your claim and paying for your medical expenses.
  • File a claim with your car insurance. If you carry uninsured motorist insurance, you may be able to recover some money from your insurance company. However, in most cases, it may not be enough to cover all expenses associated with your accident.
  • File a lawsuit against the uninsured driver. If the uninsured individual has assets, you may be able to collect the total amount of damages you suffered for the accident by filing a personal injury lawsuit.

If an uninsured driver has hit you, there are options for you, and you are not alone.

While no one wants to be in a vehicle accident, they happen, and when the liable party does not carry insurance, it can easily add an additional layer of problems. However, you can take some actions and seek the advice of trained professionals to guide you in the process.