What If the At-Fault Driver Doesn't Have Liability Insurance in Texas?

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If another driver wrecked into your car and it turns out they don't have insurance, you're likely feeling angry, frustrated and at a loss for what to do next. Unfortunately, you aren't alone. The Texas Department of Public Safety estimates that nearly 25 percent of Texas drivers aren't carrying any insurance (yes, that's illegal!). That means that if you wreck, there's a good chance it will be with someone who can't cover your damages. 

You'll need to answer a few questions to figure out what happens now. First, do you have uninsured motorist coverage (UM)? If so, you can make a claim using your own insurance. If not, you need to carefully document everything that happened at the scene of the wreck; take pictures of the damages and your injuries, if possible. Make sure you know what the driver was doing at the time of the wreck, and if they were in their own car or someone else's. 

Then, take this information to your car wreck attorney. If you don't have UM, you'll need to consult with a professional to figure out what can be done next. 

If you have any questions about your Fort Worth accident, please don't hesitate to call me. I'm available at all hours at 817-294-1900 and am happy to discuss your case or set up a consultation, free of charge. 

You can also browse our Insurance FAQ section

Mark A. Anderson
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Board Certified Personal Injury Lawyer in Fort Worth, Texas