Did you know that in Texas, almost 8.3% of drivers operate their motor vehicles without car insurance? This staggering number puts many drivers at risk, especially those who are involved in an accident with an uninsured driver. In this blog post, we will discuss the legal options available to victims of an uninsured driver accident, explain what uninsured motorist protection is and its different types, and talk about how a Houston car accident attorney can assist you.
Three Options for Victims of an Uninsured Driver Accident
Car accidents are a common occurrence on Texas roads and highways, and unfortunately, many drivers fail to carry adequate insurance to cover damages and medical expenses in the event of an accident. If you find yourself involved in an accident with an uninsured driver, it can be frustrating and overwhelming to know what options are available to you. Here are three options available to victims of uninsured driver accidents in Texas:
Using Your Own Insurance Coverage
One option for victims of an uninsured driver accident is to use their own insurance coverage to pay for damages and medical expenses. If you have collision coverage, your insurance company will pay for the damage to your vehicle, minus the deductible. If you have uninsured motorist coverage, it will provide coverage for injuries sustained in the accident. In situations where the uninsured driver is at fault, your insurance company may take legal action to seek reimbursement for the damages.
Filing a Lawsuit Against the Uninsured Driver
In some cases, victims may be able to file a lawsuit against the uninsured driver to seek compensation for damages and medical expenses. However, it’s important to note that if the uninsured driver does not have assets or income, it may be difficult or impossible to recover damages. Consulting with an experienced uninsured motorist accident attorney can help you determine if this option is right for you.
Pursuing Compensation Through the Texas Crime Victims’ Compensation Fund
As a victim of an uninsured driver accident, you may be eligible for compensation through the Texas Crime Victims’ Compensation Fund. This program is designed to provide financial assistance to victims of violent crime, including those involved in accidents with uninsured drivers. Compensation may be available for medical expenses, lost wages, funeral expenses, and other related costs.
What is Uninsured Motorist Protection, and What Are the Different Types?
Uninsured motorist protection is an optional insurance coverage that pays for damages and bodily injuries suffered in an accident caused by a driver with no or insufficient insurance. There are two different types: bodily injury and property damage. Bodily injury coverage pays for medical expenses, lost wages, and pain and suffering, while property damage coverage covers car repairs or replacement.
When it comes to signing up for uninsured motorist protection, it’s best to do it before an accident. Adding uninsured motorist coverage to your policy now can help you prepare for any unexpected accidents that may occur in the future.
How Can a Houston Car Accident Attorney Assist You?
A Houston car accident attorney can help you navigate the complex process of filing a claim and ensuring you obtain the compensation you deserve. They will handle all aspects of the legal process, including gathering evidence, negotiating with insurers, and representing you in court if necessary. This means you can focus on your recovery while knowing you have a professional handling your case.
Partner with the Nava Law Group
Being involved in a car accident with an uninsured driver can be distressing and confusing. However, it is reassuring to know that you have legal options available to obtain the compensation you deserve. By partnering with the Nava Law Group, you can have a team of professionals on your side, working tirelessly to protect your rights and obtain a favorable outcome. Our team of experienced attorneys will guide you throughout the process and work on your behalf to secure the compensation you deserve. Our priority is to ensure that our clients’ rights are protected. Contact us at 713.661.9900 and let us help you today.