AUSTIN, Texas. There is a kind of ritual that takes place after most car accidents involving minor injuries and property damage. Both drivers get out of the car, exchange a few words, call the police, and trade insurance information. In most instances, these accidents result in some major inconveniences, but when all is said and done, the insurance of the at-fault driver foots the bill and everyone moves on. Everything changes, however, when a driver doesn’t have insurance. Or, maybe a driver does have insurance, but his or her coverage is not enough to cover all your damages and medical bills. What should you do when the other driver has either no insurance or insufficient insurance?
If you happen to have uninsured motorist coverage or underinsured motorist coverage, your insurance company may be able to cover your bills. While some states require drivers to carry uninsured motorist coverage, in Texas, this coverage is optional. If you have this coverage and the other person doesn’t have insurance, then it is important to speak to your insurance company as soon as possible. You may only have a limited amount of time to seek a recovery.
But what happens if you don’t have uninsured motorist coverage? In Texas, you can file a lawsuit to seek damages to cover property damage, medical expenses, lost wages, and pain and suffering damages. To collect damages, you’ll need to show that the other driver was at fault for the accident. This can become a complicated process, involving witness testimony and the careful presentation of evidence. If you are considering pursuing a lawsuit, you may want to speak to the Austin, Texas auto accident lawyers at the Luke Dow Law Firm.
It is not unusual for drivers to be involved in crashes with uninsured motorists. In fact, How Stuff Works Money notes that as many as 1 in 7 drivers is uninsured. This is understandable given the high cost of car insurance in some areas and states. Insuring young drivers can be expensive, so parents may fail to put younger drivers on their policies. Individuals with lower incomes, poor driving records, or other challenges may have difficulty paying their insurance bills or may even allow their insurance to lapse. The good news is that the future of car insurance may be cheaper—if you are a safe driver. According to Forbes, the next generation of car insurers are offering better deals to drivers who allow the companies to track their driving in real-time using GPS. Drivers would only pay for their usage. If they drive less, their insurance will be lower cost. Cheaper basic insurance means that more people may be able to afford more comprehensive coverage, including uninsured motorist coverage.
Yet, despite the risks, many drivers still choose to get behind the wheel without coverage. If you don’t have uninsured motorist coverage, you may be stuck paying the bill. In many instances, the only way to recover your losses is to pursue a personal injury lawsuit against the negligent driver. The Austin, Texas car wreck lawyers at the Luke Dow Law Firm work closely with clients facing a range of challenges after a crash. If you’ve been in an accident with an uninsured motorist contact us today at 512-480-9502.