What Happens if an Uninsured Driver Hits You?
Even when you follow the laws regarding car insurance in Texas, other drivers may not. If you are hit by an uninsured driver, a car accident attorney can help you determine how to best handle this situation through an uninsured motorist claim or by pursuing a legal claim.
It usually happens when you least expect it. One minute you are driving home from work or running out for a quick trip to the grocery store, and the next, you are hit by another car. Thankfully, no one seems to be badly injured. You get out to exchange information with the driver who hit you, only to find out they are uninsured. Now what? Whether you know the answer to this question or not, it is always beneficial to discuss your crash with car accident lawyers in Round Rock.
Texas Minimum Insurance Requirements
All states require drivers to have a particular amount of liability coverage. Liability coverage pays for the damages the insured causes to other vehicles or property in an accident as well as the medical bills of others involved. In Texas, drivers are required to carry at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is referred to as 30/60/25 coverage.
Although this is a legal requirement, not all drivers comply. In fact, Texas ranks 16th for uninsured drivers, with an estimated 14 percent of all drivers lacking liability coverage. If you are in an accident with one of these drivers, car accident attorneys in Round Rock can help.
Uninsured Motorist Coverage
Although not legally required, many drivers elect uninsured motorist coverage on their auto insurance policies. This type of coverage applies if you are hit by a driver who is not insured. If you have this coverage, you can file a claim with your own insurance company. Your insurance company will pay for your damages up to the limits of your policy, and they will likely pursue monetary recovery from the at-fault party who didn’t have insurance.
If you do not have this coverage, car accident lawyers in Round Rock can help you explore your options for pursuing financial recovery from the uninsured driver who caused your accident. Depending on the property damage and medical expenses the other driver caused, it might be worthwhile to pursue a legal claim against them for recovery.
Our Car Accident Lawyers in Round Rock are Here to Help
Car accidents are scary, frustrating, and overwhelming, no matter who is at fault or what insurance coverage is involved. However, when the at-fault driver lacks the minimum amount of insurance coverage required by state law, the situation becomes even more problematic. Instead of trying to handle it on your own, let our experienced car accident attorneys in Round Rock review the situation to determine what your options for recovery are.