I was involved in a car accident. The other driver had no insurance. What do I do now?

There is nothing worse than being in a car accident and finding out the other driver has no insurance or does not have enough insurance to deal with the damages. If that happens, you may still have a source of recovery if you purchased uninsured/underinsured motorist insurance coverage as part of your own policy.

Uninsured/underinsured motorist coverage is so important that Texas law requires your insurance company to give it to you unless you specifically reject it in writing. The coverage applies to both personal injury damages and property damage. For personal injuries, the coverage will cover all of the losses you could recover from the other driver — medical expenses, lost earnings, pain, mental anguish, physical impairment and disfigurement. For property damage claims, the coverage will cover the cost to repair your vehicle or replace your vehicle if it is totaled.

Uninsured/underinsured motorist insurance doesn’t just cover when the other driver doesn’t have any insurance; it also covers when the other driver has insurance, but not enough insurance to fully compensate you for your losses.

If you do not know if you have uninsured/underinsured motorist coverage, you can ask your agent or take your policy to an experienced Austin car accident lawyer who can sort that out for you. 

People ask me this question a lot when talking about car accidents. “Who needs uninsured motorist coverage?” The answer is, everyone who gets behind the wheel of a vehicle could need it. This is because you never know if the person who hit you has insurance or enough insurance to compensate you for your damages and injuries. If you are involved in a hit-and-run, uninsured motorist coverage pays if the other driver cannot be located. This is important to protect you and your family. The liability insurance you purchase protects others, but uninsured/underinsured motorist coverage protects you and your family.

When buying uninsured motorist coverage, you can add more uninsured and underinsured coverage in increments of $5,000. Try to at least add enough property damage coverage to replace your vehicle.

In general, it is a good idea to have uninsured motorist coverage and underinsured motorist coverage if you want to recover damages and compensation for your injuries. 

If you have questions about how this works in the event of a crash, feel free to contact me for an in-depth explanation.

Other Car Accident FAQs:

• A big rig hit me, and police are citing the trucker and saying it was his fault. What are my rights?
• After my car accident, the other driver’s insurance company refused to pay my doctor’s bills. Why did they do that? The other driver was cited as being at-fault for the accident.
• Am I required to notify my insurance company of the fact that I was involved in an accident?
• Am I supposed to call the police if I have been involved in a car accident?
• Am I supposed to talk to the police when they arrive on the scene of an accident, or do I have to call an attorney first?
• An insurance adjuster for the other driver called me and wants a recorded statement? Should I go ahead and provide them with one?
• An insurance agent for the at-fault driver called me the other day and wanted to ask a bunch of questions. Is it okay to talk to the agent?
• Are there any other distractions while driving that I should be aware of and avoid?
• Can I file a claim for compensation, after a car crash where investigation showed my vehicle was defective?
• Do I have a case if I was involved in a car accident and was a passenger?
• Do I have to go to court and talk about my accident? I really don’t want to do that.
• Do I have to go to court if I choose to file a personal injury lawsuit after my car accident?
• Do I need to call the other driver’s insurance company and inform them of the accident?
• Do I need to hire a lawyer after a car wreck? And if so, when?
• Do I need to hire an attorney right after the accident, or can I wait until later and I have spoken to the insurance company?
• Do I really need to hire a lawyer? Can’t I just handle the insurance company issues on my own?
• Doctors at the hospital where I was taken after my accident said I needed treatment for my injuries. I not have health insurance or insurance of any kind. What do I do?
• Does Texas have a high rate of car accidents?
• How can I figure out the value of damages after my car accident?
• How do I even know if I have a successful accident claim?
• How do I know if I can file a lawsuit against the other driver involved in my accident?
• How do I know if I have a claim after an accident?
• How do I obtain compensation for the injuries I suffered in a car accident? Do I have to go to court?
• How much money can I expect in a settlement offer?
• I cannot pay the medical bills as a result of the accident I was in. What am I supposed to do?
• I felt fine after my car accident and refused medical treatment. Several days later I began experiencing pain in my neck and back. What do I do now?
• I got T-boned in an intersection last week, and landed in the hospital. Do I need a car accident lawyer?
• I have been involved in a collision. Is there anything I can do to protect or preserve the evidence?
• I immediately notified my insurance company about an accident that I was involved in. What else am I supposed to do?
• I need to see a doctor after being involved in an accident. What am I supposed to tell them and what do I need to be aware of?
• I really need to get on with my life after my accident. How long does it take for accident claim to be settled or go to court?
• I rear-ended another car, but my SUV was pushed into the one in front of me by another vehicle. Am I considered to be the at-fault driver in this case?
• I think I was partly to blame for my car accident. How does that affect my case?
• I was a passenger in a car involved in a crash and was injured. Do I have a legal claim?
• I was hit by another driver ramming into my vehicle after hitting a pothole. Who is responsible for an accident like that?
• I was hurt in a car accident, and my neighbor said I had to talk to a lawyer about the other driver’s negligence. What does that mean?
• I was in a bad car accident and the doctor says it’s going to take a long time to heal and I may need surgery. What would my accident claim be worth?
• I was in a bad car accident in Texas about a year and a half ago. Can I still file a lawsuit?
• I was in a car accident and do not know what to do about my vehicle insurance. Do I call my insurance company and the other driver’s insurance company?
• I was in a car accident and got really lucky. There was hardly any damage to the vehicle. However, I did sustain injuries. Does lack of vehicle damage affect any claim I may have?
• I was in a car accident and was not really hurt, but my wife says I should see a doctor anyhow? Do I need to?
• I was in a car accident recently. Can I file a claim for compensation?
• I was in a multi-car accident. Do I have to call all the insurance companies?
• I was in an accident and the other driver left the scene. What do I do?
• I was in an accident that broke my pelvis in several places and need more than one operation to be able to walk again. My husband was the driver and he was at fault for the accident. Can I sue him?
• I was injured in a car accident about a week ago. The other driver’s insurance adjuster called me and asked for my medical records. Should I provide them?
• I was involved in a bad accident that sent several people to the hospital. The crash was my fault. Am I entitled to any compensation?
• I was involved in a bad accident when another vehicle rear-ended me. I’ve been getting phone calls from the other party’s insurance adjuster. What do I tell them?
• I was involved in a car accident and broke my leg and several ribs and need surgery. Do I need an attorney to help me get compensation for my medical bills?
• I was involved in a car accident in Texas and it was partially my fault. Can I still seek compensation?
• I was involved in a car accident last week, but it was not my fault. I was injured and went to hospital. What do I do now?
• I was involved in a car accident. The other driver had no insurance. What do I do now?
• I was involved in a collision with another car. Do I need a personal injury attorney to deal with this accident?
• I was involved in a fairly serious car accident. What compensation may I receive from the at-fault driver?
• I was involved in a hit and run accident. What do I do?
• I was involved in a recent car accident. How long does it take to file a claim?
• I was rear-ended and the other driver said it was my fault. How is that possible since he ran into me?
• I was recently involved in a car accident. How long do I have before I can pursue my legal options?
• I was recently involved in a collision with another car. I was not wearing a seat belt. Am I still able to recover damages?
• I was T-boned by a drunk driver. Can I file a lawsuit?
• I was the victim of a driver who fled the scene of the accident. The police have no idea who the individual was. May I claim compensation?
• If I decide to file a lawsuit against the other driver in the car accident I was involved in, how long does it take to get it settled?
• Is there a statute of limitations on when I can file a car accident claim?
• Is there anything else I need to know about insurance companies if I have been involved in an accident?
• It looks like the damages from my car accident are greater than the insurance coverage of the at-fault driver. What do I do in a situation like that? Can I still collect damages?
• My daughter was in a car accident and the police told her she was responsible for the accident. The insurance company said she was not. What factors deem someone responsible for a car accident?
• My insurance company is offering me a settlement as the result of an accident I was involved in. Should I take it?
• My lawyer said he filed my lawsuit with the court, but he called it a petition. I’m suing someone for damages for a car accident, why is that called a petition?
• Our family was in a bad accident with a tractor-trailer unit. The cause of the accident is not clear. What do we do?
• The accident I was in was pretty mild and I didn’t really get hurt. However, months later I started having some serious issues with my back. It turned out I had a damaged disc due to the impact. How can I file a lawsuit?
• The accident I was involved in was partially my fault. Am I still able to file a claim?
• The day after my accident, the other driver changed their story about what happened. What do I do now?
• The doctor said I had to do physio and other rehab exercises to recover from my car accident injuries. Does it matter if I do not do rehab and physio?
• The insurance company offered me a settlement after my car accident. Can I accept it?
• The offer the insurance company is presenting to me seems reasonable. Do I need to speak to an attorney?
• The other driver involved in my accident said his insurance company would probably call me. Am I supposed to talk to them?
• The other driver was at-fault for the accident. What happens now?
• The other driver’s insurance company has been calling me several times a week wanting to talk about the crash. What do I tell them?
• The other driver’s insurance agent called me. What do I tell him?
• The person who hit me left the scene of the accident. Now what?
• The police say I was partially at fault for my accident. What does that mean for financial recovery for my injuries?
• There were witnesses to my accident. Can I talk to them?
• What are the main causes of car crashes?
• What do I do after a car accident?
• What is the seat belt law in Texas for adults and children?
• What proof can I provide after being involved in a car accident?
• What types of damages would I be able to recover in a car accident?
• What would my accident lawsuit be worth?
• When am I supposed to report my car accident to the insurance company? Or if it’s a minor accident do I need to report it?
• When my attorney was talking about proving negligence in my car accident, she mentioned the other driver breached his duty of care to drive safely. What does breach mean legally?
• Why do I need a car accident attorney?