Our car accident attorneys explain the steps you need to take if you are injured by an uninsured driver in Texas.
Car accidents can leave you suffering serious injuries. Even a minor collision can cause injuries that take months to heal. You may require extensive medical care and ongoing treatment, medications, and physical therapy. Meanwhile, you may be unable to work or provide for yourself and your loved ones. When this type of accident occurs due to the reckless actions of another driver, their automobile insurance coverage is meant to compensate you for the damages you suffer. Unfortunately, if they are uninsured, you can be left having to pay these costs out of pocket. As experienced Webster area uninsured motorists accident attorneys, we outline your options and the steps you need to take to protect your rights to compensation in a claim.
What to do After a Car Accident Involving an Uninsured Driver in Texas
Despite laws requiring all drivers to carry a mandatory minimum amount of coverage, uninsured drivers are plentiful throughout Texas. The state Department of Motor Vehicles (TXDMV) reports that roughly one out of every five motorists are uninsured. Steps you need to take to protect your rights in accidents involving these drivers include:
- Notify law enforcement immediately, even if the crash is minor or the other driver offers to pay.
- Get the driver’s name, address, driver’s license and license plate number, as well as the make and model of the vehicle.
- Take pictures of the accident scene, the damage to your vehicle, and your injuries with your cell phone, if possible.
- Make note of any witnesses who may have seen the accident occur.
- Get medical treatment right away.
- Notify your insurer as soon as possible.
Your Options in Seeking Compensation for an Uninsured Motorists Accident
The Texas Department of Transportation (TXDOT) advises that drivers can be held responsible for financial costs in car accidents where they are to blame, regardless of whether they have an insurance policy in place. One option is filing a claim through your own insurer. Damages you suffer may be covered under your Uninsured Motorists (UM) policy.
Unfortunately, the amount of coverage you have may not be sufficient to cover your damages. Your insurer may also either attempt to deny or downplay your claim. If the other driver was at fault, you may be entitled to file a personal injury lawsuit against him or her. Damages available in this type of claim include:
- Current and future medical expenses;
- Lost wages and future losses in earnings due to lingering disabilities;
- Property damages, including the cost to repair or replace your vehicle;
- Compensation for the pain and suffering your accident caused.
Reach Out to Our Webster Car Accident Attorneys
At Scott M. Brown & Associates, we are aggressive in holding at fault drivers responsible for injuries you suffer. If you are involved in a car accident with an uninsured driver, contact our Webster injury attorneys and schedule a consultation to discuss how we can help.