Uninsured drivers are a problem for Texas motorists
Approximately four out of five Texas drivers carry the proper insurance coverage for their vehicles. At Grimes and Fertitta, P.C., we understand that to mean that one in five motorists on Texas roads endanger others by driving uninsured or underinsured vehicles. Many insurance companies respond to this reality by including uninsured motorist coverage in their policies, but your compensation is generally limited to injuries, and does not include property damage. The current liability is $30,000, but in a severe accident, your medical costs could far exceed that amount.
According to the Texas Department of Insurance, residents of the state have a financial responsibility to pay for damages and injuries they cause another driver in the event of an accident. People who do not buy the coverage may be ticketed and fined. Repeat offenders may have their licenses suspended. However, we know that uninsured motorists will only be fined after they are stopped by law enforcement or after an accident has already occurred. As a result, many drivers scoff the law and take their chances. After a crash with an uninsured motorist, you may suffer losses that extend far beyond the limits of your policy.
If you are in a car crash with one of these drivers, recovering damages can be a very complex process. It may not be easy for you to assess how to proceed in order to recoup your losses when the other driver is not covered. This is especially true if you are a victim of a hit-and-run accident. Visit our page for more information about motor vehicle accidents.