What Happens if I’m in an Accident With an Uninsured Driver in Texas?

Car accidents can be traumatic events that may have lasting implications for you, your well-being and your financial interests. These situations can be especially upsetting if you were not even at fault for the accident, but you may still face expensive fiscal repercussions due to the responsible party’s lack of preparedness. That’s why Pan American Insurance is here to help Texas drivers understand their rights and options following an accident with an uninsured driver.

Why Are Accidents With Uninsured Drivers Problematic?

When you’re involved in an accident, you can generally rely on auto insurance to help limit out-of-pocket losses. As a law-abiding citizen in the Lone Star State, you’ve retained your own auto insurance that includes liability coverage, meaning that if you’re to blame for other parties’ losses, your carrier can provide a payout to assist with their losses. Conversely, if someone else is responsible for your losses, they should have liability coverage that can cover your costs. Unfortunately, this is not always the case.

What Can I Do If an At-fault Party Is Uninsured?

While undesirable, situations in which an at-fault party is uninsured are, unfortunately, not uncommon. While filing a lawsuit against the at-fault party is an option, such proceedings can be lengthy and complicated. Fortunately, you can at least cultivate recourse for these situations by augmenting your own auto insurance policy with the following financial protections:

• Uninsured motorist coverage can help pay for your losses even if the at-fault party doesn’t have insurance.

• Underinsured motorist coverage can compensate for your losses if they exceed the policy limits of the at-fault party

• Collision coverage can assist if your vehicle is damaged in a crash, regardless of who was at fault.

• Personal injury protection is a mandatory offering for all Texas auto insurance companies and can assist with your medical expenses and other losses even if you’re not at fault for an accident.

We’re Here to Help

Contact Pan American Insurance in Anthony, Texas, today to learn more about auto insurance or get a quote for a policy that can cover your losses even if an at-fault driver lacks coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.