The aftermath of a motor vehicle accident is taxing both emotionally and physically. But it can even get more complicated than that—learning that the other party is underinsured (or uninsured entirely) can undo conventional wisdom about what to do after a car accident.
But even when you’re hit by a driver without insurance, you still have rights and options for receiving the compensation you need from the responsible motorist.
The Houston uninsured and underinsured accident lawyers at Grimes and Fertitta can help you make sense of it all while giving you the legal protection you deserve. Get your case off to the right start: contact us online or call 713-224-7644 to schedule a consultation with one of our lawyers.
Understanding Texas insurance requirements
When an insured driver is hit by an uninsured driver, it’s easy for fear and uncertainty to take over. That’s why it’s important to start by understanding the law in terms of insurance. The Texas Transportation Code dictates that every single motorist is required to carry a minimum liability policy on their insurance that covers:
- $30,000 per injured person
- $60,000 minimum total limit
- $25,000 for property damage
Despite this law, many drivers still choose to ignore the insurance requirements. It’s estimated that around 20% of all drivers on the roads are uninsured. That equates to roughly 1.6 million uninsured Texas drivers on the road today.
What can you do if you’re hit by an uninsured driver in Texas?
The Texas state law allows you to hold the motorist who caused your accident legally responsible for damage incurred. Your first instinct may be to find out if you can sue an uninsured driver — while the answer is yes, it may not always be worthwhile.
The factors that affect the case include the general circumstances, facts available about the accident, and the severity of injuries/damages. Sometimes, suing an uninsured driver for damages might not be viable simply because the uninsured driver doesn’t have the money to cover the damages in the first place. The average uninsured motorist payouts aren’t much, with the average being below $10,000.
On the other hand, it’s also possible to discover that the uninsured party had not renewed their insurance and has the money to cover the damages. This is where litigation may come into play.
Your first step should be to contact Houston’s premier uninsured and underinsured law experts of Grimes & Fertitta. Together, we can help you:
- Analyze and understand your current insurance policy
- Investigate the accident and parties at fault
- Determine fault through negligence on behalf of the uninsured driver
- File a claim with ample documentation
- Get the settlement you deserve from your insurance
What can you do if you’re hit by an underinsured driver in Texas?
How does underinsured insurance work? Simply put, underinsured drivers are those that have basic 30/60 coverage. With medical expenses rapidly soaring across the United States, basic liability costs might not be enough to cover your expenses.
It’s the recommendation of the Houston auto accident lawyers at Grimes & Fertitta lawyers to opt-in for additional policies on your insurance that cover both underinsured and uninsured drivers. This can help you offset the costs of the damage that you accrued during the accident to keep your personal finances intact in the event of an accident with an uninsured driver.
It typically takes much longer to discover an underinsured driver compared to a fully uninsured one. The underinsured driver may seem like they can cover the damages—until the damages exceed their policy limits. You’ll need to determine the total damages and costs over time, as well as where your claim does and doesn’t fit within legal limits.
You can always reach out to Houston lawyers at Grimes & Fertitta for a consultation to determine whether or not you have a case.
Contact a Houston uninsured and underinsured accident lawyer from Grimes & Fertitta for a free case evaluation
If you are looking for a Houston uninsured and underinsured accident lawyer that you can trust, the attorneys at Grimes & Fertitta are here to help. We know how draining the aftermath of a collision with an uninsured or underinsured driver can be, and that’s why our full team is committed to helping you at every step of the way—sharing our expertise and treating you like a person, not a case number.