Under Texas law, all drivers are required to carry minimum liability insurance, but unfortunately, not everyone follows the rules. This means you may be hit by someone who doesn’t have insurance coverage or doesn’t have enough insurance to cover your injuries. If this is this case, it certainly makes it harder, but you still may have a few options.
Your first option is to use to get a personal judgment against that person and try to collect from this. Unfortunately, this isn’t always easy to do either. Second, you can use your own health insurance to cover your medical bills. Finally, if you carry uninsured/underinsured motorist (UM/UIM) coverage, your own policy may kick in to cover:
- Medical bills
- Lost wages
- Pain and suffering
- Property damage
An experienced Wichita Fallas and Dallas car accident attorney can help file your UM/UIM claim properly, gather necessary documentation, and push back if your own insurer denies or delays payment. Don’t settle for less than you deserve—get legal help to navigate uninsured driver claims.