Don’t let a Dallas car accident with an uninsured driver bring you down – YOU STILL HAVE AVENUES FOR RECOVERY EVEN WITHOUT LIABILITY INSURANCE!
Every responsible driver’s nightmare is having an accident with an uninsured motorist. You can look after your own driving, but if a negligent driver with no car insurance runs into you, you might feel like you have no options to get recovery. While uninsured drivers are plentiful in North Texas, you have options. To understand the severity of the problem, though, you should first know a few facts about uninsured motorists in the DFW area and Texas in general.
A high rate of drivers on North Texas roads, including drivers in Dallas don’t have car insurance. Conservative estimates guess that almost 25% - that’s one in four drivers – don’t have liability insurance. If you’re in a Dallas car accident with this unlucky one in four, there is no liability insurance to pay for damage to your vehicle or medical bills for you and your passengers.
Even if they do have insurance, over half of those drivers are carrying the minimum amount of liability insurance that Texas law requires. The Texas state minimum is $25,000, which means that if you have a serious accident that requires hospitalization, surgery or lost wages, the minimum liability probably is not enough to compensate you.
This means that most all of the people on the road with you on your daily commute through North Texas either have no insurance at all, or not enough insurance to compensate you in the event of a serious accident.
What can you do?
Successfully Pursuing Dallas Uninsured Motorist Claims
Your best method for recovery against an uninsured or underinsured Dallas driver is to make a claim against your own uninsured motorist’s policy. If you are carrying a UM policy, you may make a claim to have your damages and medical bills paid in the event of an accident with an uninsured or underinsured driver.
Unfortunately, even making a claim against your own UM policy is not painless. Insurance companies are not in business to pay money out – they are in business to take as much money as possible. This doesn’t just apply to other people – it also applies to their own clients.
If you are injured in a Dallas uninsured motorist accident, having an experienced attorney on your side can make the difference between recovering a reasonable settlement for your damages and getting ripped off.
Who Pays Medical Bills with No Insurance?
In a normal Dallas car accident, your medical bills would be paid by the at-fault driver’s insurance company. When you are dealing with uninsured motorists, there is no insurance policy to pay, which means the money has to come from somewhere else.
Many people erroneously believe that their health insurance will pay uninsured motorists’ medical bills. Unfortunately, that is not always the case. In many cases, health insurers won’t pay for medical bills caused by Dallas car accidents at all. This is because the at-fault driver is responsible for the bills, so health insurance providers leave it to the car insurance companies to pay the bills.
If the other driver does not have insurance, you willl have to pay the medical bills, or hope to sue the driver for enough money to cover the bills. In practice, this typically is not possible, because many of the people who drive without car insurance don’t have any assets or the cash to pay your bills in the event of an accident, so a successful lawsuit might not matter.
How do the medical bills in an uninsured driver accident break down? To give you an idea, a trip to the ER in an ambulance can run you $1,000, and the ER itself can be several thousand more. If you are severely injured in a Dallas uninsured motorist accident, you could be looking at a hospital visit, surgery, ongoing medical treatment or physical therapy, which can easily add up to $50,000 to $100,000 or more with no insurance to pay.
Don’t let Dallas Uninsured Motorists Cause You Problems
You can protect yourself from uninsured motorists in Dallas, and avoid all of the headaches that go along with uninsured motorist claims. In order to protect yourself, you can purchase Uninsured Motorist (UM) or Underinsured Motorist (UIM) coverage to go along with your standard liability insurance.
This is an additional fee. It is not something that is included in your basic insurance policy. However, if you do carry UM/UIM and you’re injured in a DFW area uninsured motorist accident, you can make a claim against your UM/UIM policy to pay your bills.
With more than 6 million motor-vehicle accidents every year, and tens of thousands of those accidents happening right here in Texas, you’ve got a high statistical chance of getting into a car accident. Since one in every four of those drivers doesn’t carry insurance at all, you have got an alarming chance of being in an accident that the other driver’s insurance will not pay for.
On top of these already uncomfortable facts, Texas predicts that uninsured and underinsured motorists are going to increase in the next few years. While the economy in North Texas presents challenges to drivers, they’ll continue to cut back on their insurance or stop carrying it altogether. This means that your chances of getting involved in an accident with an uninsured or underinsured motorist in the Dallas area in the next couple of years are only going to go up.
Get a Free Consultation with a Dallas Personal Injury Attorney
The Anderson Law Firm knows the ins-and-outs of dealing with uninsured and underinsured motorists. Don’t wait until you’re desperate and don’t know what to do – call us or contact us online for a free consultation so you can learn about your rights.