In Texas it is illegal to drive a car without liability insurance. However, the truth is that many dangerous drivers in the Dallas-Fort Worth area do not have the proper insurance for whatever reason. If you've been involved in a wreck, there is every possibility that the motorist who hit you is uninsured. If that's the case - don't panic. You do have options, and it is important that you consult with a board certified personal injury attorney as soon as possible as they will be able to help you explore your options.
Are you sure the other driver doesn't have insurance?
If they give you an expired insurance card at the scene of the accident, don't jump to conclusions. Write their information down and contact their insurance company anyway. It may just be that they just have their old insurance information in their vehicle. If, however, the insurance company confirms that this individual no longer holds a policy with them, they may still have insurance elsewhere. The legal investigators at the Anderson Law Firm are able to research whether the driver has insurance elsewhere.
Do you have Uninsured Motorist Coverage?
Once you've determined that the at-fault driver does not have insurance, it's time to review your own insurance. By law, every insurance company must offer you uninsured and underinsured motorist coverage (also known as UM or UIM). You have the option of opting out when you sign up with a new insurance company, but my advice is to always accept it. It costs a little extra, but if you're ever in a situation where you need it, you will be really grateful that you have it.
You can pursue a claim for compensation to cover any medical bills related to the accident, along with compensation for your loss of income due to missing work which you were in hospital recovering. You can also seek damages to compensate you for the very real pain and suffering that you have endured.
In situations where you need to make a claim against an uninsured motorists policy, your own insurance company in effect takes the role of the at-fault motorist's insurance company. You would make a claim against them in the same way you would usually make a claim against another person's insurance company. It's important to be aware that these situations can often be extra stressful for the individuals involved as suddenly the company you've paid premiums to all these years suddenly doesn't want to help you out in your time of need. If ever you find yourself in a situation where you have to claim against your own UM or UIM coverage, it is certainly worth hiring a board certified personal injury lawyer to deal with the insurance company for you. Let your lawyer deal with the stress and the paperwork, leaving you to concentrate on getting better.
To schedule a free no obligation consultation on your personal situation you can call us toll free at 800-354-MARK (6275) or contact us online. If you'd prefer to call us locally you can do so at 817-294-1900 in Fort Worth or 214-327-8000 in Dallas.