Getting into a car accident is stressful enough — but finding out the other driver doesn’t have insurance can leave you feeling completely overwhelmed. Unfortunately, uninsured and underinsured drivers are more common in Texas than you might expect. If this happens to you, it’s important to know your options.
At Z&P Law Group, our Houston personal injury attorneys help accident victims in Katy and surrounding areas navigate complex situations like these every day. Here’s what you need to know if you’re hit by an uninsured driver in Texas.
Is Car Insurance Required in Texas?
Yes — Texas law requires drivers to carry a minimum amount of liability insurance. However, that doesn’t mean everyone on the road follows the rules. According to recent statistics, nearly 1 in 8 drivers in Texas are uninsured.
What Should You Do After the Accident?
If you’re in a crash and discover the other driver is uninsured:
•Call the police and file a report immediately.
•Collect evidence (photos, witness statements, and insurance info — or lack thereof).
• Notify your insurance company as soon as possible.
• Contact a personal injury attorney to discuss your legal options.
Can You Still Recover Damages?
Yes — but it depends on your insurance and the specific details of your case. Here are some possibilities:
1. Uninsured/Underinsured Motorist (UM/UIM) Coverage
If you have UM/UIM coverage on your policy, it can help pay for:
•Medical bills
•Lost wages
•Pain and suffering
•Property damage
Many drivers don’t realize they have this coverage, so it’s worth checking your policy or having your lawyer review it.
2. Personal Injury Lawsuit
Even if the driver doesn’t have insurance, you may be able to sue them personally. However, if they don’t have significant assets, it may be difficult to collect.
3. Other Sources of Compensation
Depending on your situation, you may be able to pursue compensation through:
•A third-party liability claim (e.g., if the driver was working at the time)
•A product liability claim (if a defect caused the crash)
Why Legal Help Matters
Insurance companies are known to minimize or deny UM/UIM claims — even when you’re their own customer. That’s why having an experienced team on your side can make all the difference.
At Z&P Law Group, our Houston personal injury attorneys know how to fight for the compensation you deserve. We serve clients in Katy and the surrounding areas, and we’re here to help you understand your rights after an accident.
Call Us for a Free Consultation
If you were hit by a driver without insurance, don’t wait to get the legal advice you need. Contact Z&P Law Group today at 832-464-7667 for a free consultation. We’ll help you explore your options and fight for every dollar you’re owed.