One of the biggest problems you can run into if you’re in a car accident is if the at-fault driver doesn’t have insurance. What can you do? When there is no insurance, it looks like your only option to recover is to sue the at-fault driver personally. But if that driver doesn’t have money or assets to pay for your damages, then in most cases, you would recover little or nothing even if you won in court.
In Texas, the risk posed by uninsured motorists is greater than in other parts of the country. According to the Texas Department of Insurance figures (last updated in February, 2013), There are over 2,700,000 uninsured Texan drivers. In some counties, roughly one in every four drivers is uninsured. Of importance to Corpus Christi drivers, in Nueces County, about 17% are uninsured.
What You Can Do Now
Usually, Texas minimum insurance collision coverage only covers damage to others. Fortunately, there is something you can do to protect yourself and your family. In Texas, there are two kinds of insurance coverage you must be offered by law that can protect you from uninsured drivers: (1) you are given the option to buy uninsured motorist coverage, or UM, and (2) you are given the option to buy personal injury protection, or PIP. These types of coverage are meant to pay out if you are in an accident and the at-fault driver does not have insurance. If you choose these coverages, it will increase your premiums by several dollars a month (the exact cost varies from carrier to carrier–talk to your insurance agent about your personal situation). But given the odds, the real question is: can you afford to not get one or both of these coverages?
Whether you have UM and PIP coverage or not, your best option is to discuss the details of your accident with an experienced car accident attorney. A good auto accident lawyer can evaluate your unique situation and see what options you could have to recover for your injuries. For instance, if the at fault driver was working at the time, his employer could be liable even if the driver is uninsured.
If you have been in a car accident, take advantage of the free consultation offered by Brunkenhoefer | Turman and discuss how you can recover your damages. We have fought for the victims of personal injury in South Texas for over 37 years, including Corpus Christi, Alice, Kingsville, Victoria, San Antonio, Robstown, Portland, and Kennedy. Contact us (800) 888-8808 today for a free consultation.