Posted On May 31, 2017 In Local Car Accidents
Every day, an estimated 20 percent of drivers on Texas roads don’t have insurance, according to the Texas Department of Insurance. This is a scary thought for the rest of us on the roads. That percentage means that there is a one in five chance any car accident will involve an uninsured driver.
In Texas, you are not legally required to purchase uninsured/underinsured motorist coverage, but the insurance provider does have to offer it to you. In some cases, the insurance agent will gloss over the fact that they removed uninsured motorist coverage form your plan to offer you a more competitive rate. This means that many insured drivers are not protected from getting into accidents with 20 percent of the driving population.
What Happens If You Are Hit by an Uninsured Driver Without Uninsured/Underinsured Motorist Coverage?
If you are hit by an uninsured driver, you do have some options. You can try to sue them for personal injury, but if they do not have enough to pay the settlement, or don’t have enough non-exempt assets (like rental properties or boats), the case will be essentially worthless. Most people with enough money for non-exempt assets will most likely have auto insurance. Since Texas makes the party at-fault pay damages from their insurance, a driver that hits someone without insurance is not at-fault to pay in most cases.
Then Who Is At-Fault If I’m Hit by an Uninsured Driver?
In Texas, your insurance company becomes responsible for paying damages if you are hit by an uninsured driver, but they may try to offer you a lesser settlement than you deserve to minimize their losses. Having a Texas car accident attorney on your side can help get the most out of the situation.
If you have uninsured/underinsured motorist coverage, the plan should cover your damages in the event of a hit-and-run.
Many drivers in Texas do not have insurance, which causes a big problem for anyone who has declined Uninsured motorist protection, or has been deceived into taking a plan without it. Lufkin auto accident lawyers at Mike Love & Associates, LLC give free insurance policy reviews to see if your plan has you covered.
Experiences dealing with big auto insurance companies and complex uninsured motorist accidents have given Mike Love & Associates, LLC a wealth of knowledge for settling car accident settlements.