Do insurance companies go after uninsured drivers?

Do insurance companies go after uninsured drivers? The short answer is yes. In the event of an accident with an uninsured driver, your insurance company may take legal action against the at-fault driver to recover the costs associated with your claim. If the uninsured driver is found to be at fault, your own collision, uninsured motorist, or PIP insurance can cover your expenses.

However, if the uninsured driver is unable to pay for the damages, your insurance company may pursue legal action against them in court. To ensure that you receive compensation for your medical bills and other damages, it may be helpful to seek the guidance of an experienced car accident lawyer in Texas. Some personal injury attorneys specialize in helping people who have been injured in accidents caused by uninsured drivers. They can work with you to get the compensation you deserve from the at-fault driver’s insurance company.

Can Insurance Companies Go After Uninsured Drivers?

It is possible for insurance companies to pursue legal action against uninsured drivers, although the likelihood and process may vary depending on the country and state where the accident occurred. In certain cases, it may not be cost-effective for insurance companies to pursue such action. In the United States, all states mandate registered vehicles to have car insurance. If you are involved in an accident with an uninsured driver, your insurance provider can take legal action against them to seek compensation for damages. However, the process can be complex and costly.

Uninsured Motorist Coverage:

Uninsured motorist coverage, also known as UM, provides insurance protection in case you are in an accident with an uninsured driver. Your insurer will pay for your damages up to your coverage limit on each incident or accident.

Although UM coverage is not mandatory in all states, it is required in some and may be offered as an option in others. For instance, if you have $100,000 in uninsured motorist coverage and you are involved in an accident with an uninsured driver, your auto insurance provider will pay for your damages up to $100,000.

UM coverage can include both vehicle and injury damages. If you sustained injuries in an accident with an uninsured driver, your UM coverage will pay for your medical bills up to your maximum coverage limit.

Subrogation:

Yes, insurance companies may go after uninsured drivers to recover the costs associated with a claim. If you are involved in an accident with an uninsured driver, and you have uninsured motorist coverage, your insurance company may cover your damages, but they may also try to recover the costs from the uninsured driver. This process is known as subrogation.

When an insurance company subrogates, they are essentially seeking reimbursement from the uninsured driver for any damages that they paid out on your behalf. The insurance company may do this by filing a lawsuit against the uninsured driver, or by sending them a demand letter requesting payment. However, it’s important to note that the insurance company’s ability to recover damages from an uninsured driver depends on the driver’s ability to pay. If the uninsured driver doesn’t have any assets or a steady source of income, the insurance company may not be able to recover the full amount of damages.

Do Insurance Companies Go After Uninsured Drivers in Texas?

In Texas, insurance companies do go after at-fault drivers, even if they aren’t insured. In fact, Texas requires drivers to carry a minimum amount of liability insurance to cover damages and injuries that they may cause in an accident. If an uninsured driver causes an accident and is at fault, the insurance company of the other driver can try to recover damages from the uninsured driver. However, the process can be complicated and may require legal action. It’s also worth noting that if you have uninsured motorist coverage in Texas, your insurance company may cover your damages and injuries if you’re in an accident with an uninsured driver.