• Your own UM or UIM coverage may help pay for injuries and vehicle damage.
• Personal injury protection, collision coverage, health insurance, or another liable party may provide additional options.
• Photos, medical records, witness details, and prompt notice to your insurer can strengthen your claim.
Being hit by an uninsured driver in Texas can leave you facing medical bills and repair costs with no obvious source of payment. An uninsured motorist claim in Texas may allow you to seek compensation through your own policy. A Texas car accident lawyer can also review whether uninsured motorist coverage in Texas or another source may apply.
What to Do After the Crash
Call 911, seek medical care, exchange information, and photograph the vehicles, road conditions, and visible injuries. Collect witness details and notify your insurer promptly. Avoid guessing about fault or giving a recorded statement before you understand your rights.
Where Compensation May Come From
UM or UIM coverage may pay for medical expenses, lost income, pain and suffering, and property damage, subject to the policy. Other possibilities may include personal injury protection, medical payments coverage, collision coverage, health insurance, or a claim against another responsible party. You may also pursue the uninsured driver personally, although collecting payment can be difficult.
How Fault Can Affect Recovery
Texas uses proportionate responsibility. Compensation may be reduced by your share of fault, and recovery is generally barred if you are more than 50 percent responsible. Even when you file through your own insurer, you still need evidence showing the other driver caused the crash and documenting your losses.
Negem & Worthington has represented East Texas families for more than 40 years. Learn more about our auto accident services or contact us for a free consultation.
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