It’s an incredibly stressful experience when you are driving safely, and another car crashes into you. You might have costly damage to your car, expensive medical bills and missed days from work. It is even more frustrating when you find out that the other driver doesn’t even have insurance that you can get your money from. What are your options now?
Texas insurance requirements
It is against Texas law to drive a vehicle without liability insurance. This is because the insurance will cover the costs of the accident even if the driver at fault has no money to pay you.
If the responsible driver doesn’t have any insurance, you could hire an attorney and sue them directly to pay for your car repair and medical costs. However, if they’re driving without insurance, it is likely that they don’t have much money. Even if the other driver’s attorney and your attorney reach a settlement, you might not get the recovery you need to compensate for your losses.
Uninsured Motorist Insurance
This is why it’s a good idea for you to purchase Uninsured Motorist Insurance (UMI). If you have a UMI policy covering you, then you will be able to receive money even if the responsible driver doesn’t have anything.
UMI covers the purchaser in the event that an uninsured motorist causes an accident with them. If the responsible driver can’t pay you, your own insurance will step in and cover the cost of your car repair, your medical bills and any other damages you suffer as a result of the accident.
If you want to be safe, it’s a good idea to purchase Uninsured Motorist Insurance. If you do happen to get into an accident with an uninsured driver, make sure to consult your attorney in order to make sure that you are getting the full payout that you are entitled to.