What If I Was Hit By An Uninsured Driver?

Car accidents are an incredibly frightening experience and victims are often left with serious injuries and trauma. If you were in an accident that was not your fault, you will now be faced with the prospect of filing a claim against the other driver. However, if the other driver was uninsured, your case will not be straightforward.

You may be unsure whether you can even claim compensation or get any form of justice in your situation. If you have uninsured motorist coverage, you can make a claim through your own insurance coverage policy. However, if not, recovering compensation will be more complicated.

If you have been a victim of a car accident with an uninsured driver, the best thing you can do to protect your rights is contact an experienced car accident attorney. An attorney can help you explore your compensation options and maximize your chances of recovering what you are owed.

Chris Morrow Law, PLLC – The Attorney That Works

At Chris Morrow Law, PLLC we are dedicated to protecting car accident victims in Texas. We have a long history of success to draw upon and take a highly personalized approach to every case.

We believe all car accident victims deserve access to high-quality legal representation without an upfront cost. That is why we offer a free consultation and work on a no-win, no-fee basis, so you can never be left out of pocket for seeking help.

If you are a car accident victim, you deserve compensation regardless of whether the other driver was insured or not. We will help you explore every avenue to recover compensation and will strive for justice.

The Problem With Filing a Claim Against an Uninsured Driver

After an accident that was not your fault, you may initially look to the other driver to claim compensation. However, if the other driver was uninsured, this may not be the most effective way to claim compensation for your damages.

Even if you file a claim against a driver with no insurance, it is highly likely that they will not have the assets to cover the cost of your damages, especially after a serious accident. The other driver could file for bankruptcy, which could then leave you without damages and with added legal costs.

That is why it is so important to have the help of an experienced attorney who understands how to proceed in the way that is most likely to secure a good outcome in your case.

What to Do After an Accident With an Uninsured Driver

After any car accident, there are certain steps you should take to protect yourself and maximize your chances of recovering compensation. These steps are the same regardless of the circumstances.

Prioritize Safety and Call 911

The first and most important thing to do is prioritize your safety and the safety of those around you. Check yourself for injuries, and if you are seriously injured, report your location and wait for help to arrive. If you can, check those around you for injuries as well.

If anyone is seriously injured, call 911 so that paramedics and police can attend the scene. Paramedics will attend to any injured victims, while the police will help mitigate any remaining danger and file a police report about the accident. If you can, take note of the responding officer’s name and badge number.

Collect Evidence and Contact Information

If your injuries allow it, the next thing you should do is collect evidence from the scene that could help your claim. Take photos of the scene, including any property damage, your own injuries, and anything else that could be relevant, such as debris on the road or skid marks.

You should also collect the information from all the drivers involved, including their names, contact information, and registration plates. If there are any witnesses, ask for their names and numbers, and your attorney may contact them later.

Seek Medical Attention

If you are not seen by paramedics at the scene, the next thing you must do is seek medical attention for your injuries. Your medical report will be integral to your claim. This step also helps protect your health and well-being, as the initial adrenaline could mask any serious injuries.

Contact Your Car Insurance Company

After a car accident, you need to speak to your insurance company to let them know there has been an accident. However, when talking to insurance companies, it is important to remember that they are profit-driven companies that benefit from paying you less than you deserve. You should contact an attorney before you speak to your car insurance company so they can advise you on what to say.

If you call your insurance company, stick to the facts of the accident, do not admit fault, and do not go into detail about your damages. Simply tell them you have been in an accident, provide the location, and give them the details of the other driver.

If the other driver was uninsured, this is also an opportunity to find out if you have uninsured motorist coverage or underinsured motorist coverage. This optional car insurance coverage may cover your damages if you have it. You should also find out how much coverage you have so that you can assess whether an uninsured motorist claim would be sufficient to compensate you.

Contact a Car Accident Lawyer

If you have been in an accident with an uninsured driver, your case will not be straightforward. The best way to maximize your chances of securing just and fair compensation is to speak to an experienced attorney at Chris Morrow Law, PLLC.

Our law firm is dedicated to finding justice for car accident victims in Texas and will do everything in our power to protect your rights. We are prepared to take on complex cases, such as those involving uninsured drivers, and will explore every potential avenue to recover compensation.

Options After a Car Accident With an Uninsured Driver

Determining what your damages are worth, including your economic and non-economic damages, requires the help of an experienced attorney. Before you decide how to proceed with your case, contact Chris Morrow Law, PLLC for a free consultation so that we can advise you on your next steps.

If you have uninsured motorist coverage, a car accident attorney can help you file a claim through your own insurance policy. Like all car insurance claims in Texas, you must prove that the uninsured driver was at fault for the accident and that you suffered damages as a result.

However, if you do not have uninsured motorist coverage and your own auto insurance coverage does not cover all of your damages, your attorney will help you explore all potential avenues to recover compensation, including:

Claiming From The At-Fault Drivers Employer

If the at-fault driver was working when the accident occurred, then you could claim compensation from their employer. Businesses are required to ensure their employers are properly insured if they are driving for work. An attorney can help investigate whether the at-fault driver was on the job and whether their employer owed you a duty of care that was breached.

Claiming From a Government Agency

If poor road conditions contributed to your accident, you may have a claim against the government agency responsible for maintaining the road. For example, perhaps there was a pothole in the road, debris, inadequate road signs, or other contributing factors. Your attorney will investigate all the possible causes of your accident.

Claiming From a Manufacturer or Mechanic

If a fault in a vehicle contributed to your accident, you could make a claim against a car parts manufacturer or a mechanic. For example, if your airbag did not deploy, and this meant that your injuries were worse than they should have been, the car manufacturer could be partially to blame for the accident.

Crime Victim’s Fund

If your accident falls under one of the following criminal categories, the Texas Crime Victims’ Compensation Program may provide coverage for a portion of your damages:

Failure to Stop and Render Aid
DWI
Manslaughter
Criminally Negligent Homicide
Aggravated Assault
Intoxication Manslaughter
Intoxication Assault

What if I Was Hit by an Uninsured Driver? – Contact Chris Morrow Law, PLLC Today!

Although drivers are legally required to have liability insurance in Texas, there is a shocking number of uninsured drivers on the roads. When considering the high cost of medical bills and other damages after a car accident, this is incredibly frustrating. Even if you can make a claim with your own auto insurance company, it may not compensate you fully, especially after a serious car accident.

At Chris Morrow Law, PLLC our commitment lies in advocating for our clients with the utmost dedication. We prioritize developing a strong attorney-client relationship and ensuring that our clients are informed and educated throughout the legal proceedings. As your representatives, we will strive tirelessly to fight for your interests.

After a car accident with an uninsured driver, you may feel hopeless, but there may be options available to you. We offer a free consultation and work on a no-win, no-fee basis, so you have nothing to lose by reaching out to us today and gaining clarity on your next steps.

Call us today and arrange a free consultation with an experienced car accident attorney at 512-520-8100.