What to do if you get hit by an uninsured driver in Austin?

What to do after an accident with an uninsured driver? In Texas, as in many other places in the United States, having car insurance is mandatory to drive legally.

If a driver is stopped by authorities and does not have valid car insurance, he or she may face a number of legal and financial consequences. In this blog, we tell you what to do if you are involved in an accident with an uninsured driver.

But first, you need to know that you are not alone. We are with you. If you or a family member has suffered injuries due to the negligence of an uninsured driver, call us. You have rights and the law protects you, regardless of your immigration status. Schedule your free consultation in Spanish with our team and discover your legal options. Remember: call DANGto give the insurance companies a BANG.

We explain the situation of a driver without car insurance

In Texas, as in most U.S. states, having car insurance is mandatory . If a driver is pulled over and does not have insurance, he or she may face legal consequences.

The consequences for driving without auto insurance in Texas can include fines, financial penalties, suspension of your driver’s license, and the possibility of having to pay out of pocket for damages caused in an accident, which can result in significant costs.

Additionally, an uninsured driver may be held liable for any damage or injury caused in a car accident, which could lead to civil lawsuits against him or her. This situation can be especially serious if there are serious or fatal injuries involved, as the driver could face lawsuits for substantial damages.

In short, driving without auto insurance in Texas is a serious violation that can have significant legal and financial consequences. All drivers are therefore advised to obtain and maintain valid auto insurance to protect themselves and others in the event of an accident.

Law and fines

The law requiring auto insurance in Texas can be found in the Texas Transportation Code, Chapter 601. This section sets out the minimum auto insurance requirements that all drivers in the state must meet.

As for fines and penalties for not having auto insurance in Texas, these are also specified in the Texas Transportation Code. While specific fines can vary depending on several factors, such as the driver’s record and the severity of the violation, they generally include:

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• Monetary Fines: Drivers who are caught without auto insurance in Texas may face fines that vary depending on the specific situation. These fines can be quite substantial and sometimes increase with each additional violation.
• Suspension of driver’s license: Drivers who are caught without auto insurance may face suspension of their driver’s license for a specified period of time.
• Additional Fees and Financial Penalties: In addition to the initial fines, uninsured drivers may face additional fees and financial penalties, further increasing the cost of being uninsured.

It is important to note that these are just some of the possible consequences. In cases of car accidents where the driver is uninsured, they may also face liability for damages caused to other people or property, which can result in significant financial costs.

What can you do in the event of a collision with an uninsured driver?

When you’re faced with a crash with an uninsured driver in Texas, your options may depend on whether you have Uninsured Motorist Coverage on your insurance policy. If you have this coverage, you can file a claim with your own insurance company to cover the costs of damage to your vehicle and personal injuries up to the limits set forth in your insurance policy. If you don’t have this coverage, your options may include seeking compensation through civil lawsuits against the uninsured driver. However, it’s important to note that even if you win a lawsuit, it may be difficult to recover costs if the driver has no assets to offset your losses. Now, let’s look at each of these points in more detail:

Uninsured Motorist Coverage

If you have this coverage on your insurance policy, you can file a claim with your own insurance company to cover damage to your vehicle and personal injuries caused by the uninsured driver. This coverage is designed to protect you in the event that you are involved in an accident with an uninsured or underinsured driver.

Claims and demands

If your medical expenses and property damage exceed the limits of your Uninsured Motorist Coverage, or if you do not have this coverage, you may still consider filing a lawsuit against the uninsured driver. However, it is important to note that while you may win a judgment against the driver, it may be difficult to recover damages if the driver does not have the financial ability to cover what he or she owes. You may also want to seek legal advice to explore other options available in your specific situation.

Having Uninsured Motorist Coverage can be your best resource if you are involved in a crash with an uninsured driver in Texas. Additionally, it is crucial to evaluate your legal options and seek professional advice to determine the best course of action and ensure you receive adequate compensation for your losses. At Abogado Dang – Accident Lawyers, our car accident attorneys offer free consultations in Spanish to accident victims.

Steps to take after an accident with an uninsured driver

After being involved in an accident with an uninsured driver, it is important to follow these steps, gathering some points that we previously addressed:

• Ensure safety: Check for injuries and call emergency services if necessary. If possible and safe to do so, move vehicles off the road to prevent further accidents.
• Contact the police: Call local authorities to report the accident and request that an officer be on the scene. It is important to have an official accident report to support any future claims or lawsuits.
• Gather information: Get the other driver’s information, including their name, address, phone number, and license plate number. Take photos of the accident, including damage to the vehicles and the accident scene.
• Seek witnesses: If there are eyewitnesses to the accident, get their names and contact numbers. Their testimony can be helpful if a dispute arises over liability for the accident.
• Notify your insurance company: Inform your insurance company about the accident as soon as possible. Provide all relevant details and follow their instructions on how to proceed.
• Consider legal advice: If you suffer serious injuries or significant property damage and the other driver is uninsured, you may need to seek legal advice. A car accident attorney can help you explore your legal options and seek compensation for your losses.
• Explore compensation options: If you have uninsured motorist (UM) coverage as part of your insurance policy, you can file a claim with your own insurer to cover your medical expenses and property damage. You may also consider filing a lawsuit against the uninsured driver, although the ability to recover compensation may be limited if the driver does not have significant assets.

Attorney Dang – Accident Lawyers, experts in defense against an uninsured driver

Being involved in an accident with an uninsured driver is difficult and requires expert legal support to seek compensation for your injuries. Don’t worry, at Abogado Dang – Accident Lawyers, you have that support. If you or a family member suffered injuries resulting from the actions of an uninsured driver, call us. Remember that you have rights and we will help you enforce them, regardless of your immigration status. Schedule your free consultation in Spanish with our team and start your path to the justice you deserve. Remember, call DANG to give BANG! to the insurance companies.

Information verified by lawyer Loc Dang

Loc Dang is a founder and member of our legal team. In this blog, Attorney Dang shares his expertise to guide accident victims.