The person who caused my personal injury doesn’t have insurance. What happens next?

When you are injured in an accident, you have the right to seek compensation for your damages from the person who caused your injury. However, if person who caused your personal injury doesn’t have insurance, it can create obstacles in the process of recovering compensation. In such cases, you may need to explore other options to obtain the compensation you deserve.

Steps to Take if the Person that Caused Your Injury Doesn’t Have Insurance:

Even if the person who caused your injury doesn’t have insurance, there are still potential sources of compensation available. For example, if the person who caused your injury is employed, they may have assets that can be used to pay for your damages. You may also be able to pursue compensation from your own insurance company if you have uninsured motorist coverage or other types of coverage that may apply to your situation.

1. Seek medical attention: Your health and well-being should be your top priority. Seek medical attention immediately if you are injured in an accident. Even if your injuries do not seem severe, it is important to have them evaluated by a medical professional.
2. Collect evidence: Gather as much evidence as possible to support your claim. Take photos of the accident scene, any visible injuries, and any property damage. Obtain contact information for any witnesses to the accident. Keep track of all medical bills, lost wages, and other expenses related to your injury.
3. Contact your insurance company: If you have uninsured motorist coverage, contact your insurance company to report the accident and seek compensation for your damages.
4. Consult with a personal injury attorney: An experienced personal injury attorney can evaluate your case and help you explore your options for pursuing compensation. They can help you navigate the legal process, negotiate with insurance companies, and fight for the compensation you deserve.
5. Consider other potential sources of compensation: If the responsible party does not have insurance or sufficient assets to pay for your damages, you may need to consider other potential sources of compensation, such as government benefits or charities that provide assistance to accident victims.

How Many Uninsured Drivers are there in Texas?

According to a 2021 report by the Insurance Information Institute (III), an estimated 14.1% of drivers in Texas are uninsured. This means that nearly one in seven drivers in Texas do not have insurance. Despite the legal requirement for drivers in Texas to have liability insurance, many people continue to drive without it, which can create challenges for those who are injured in accidents caused by uninsured drivers.

A personal injury lawyer can be extremely helpful if the person who caused your personal injury doesn’t have insurance. Dealing with an uninsured driver can be challenging, as there may be limited options for recovering compensation for your damages. However, an experienced personal injury attorney can help you navigate the legal process, explore your options for recovering compensation, and fight for your rights.