It is illegal to drive without liability insurance in the state of Texas. Despite this, 1 out of 8 people drives without car insurance. If by chance you are involved in a car accident with an uninsured driver, you could be left without the ability to make a claim if you don’t have the right protection. This is especially true if it is a hit-and-run accident.
When you have been injured in a car wreck in Brownsville caused by an uninsured driver, you need a dedicated personal injury lawyer, like those at the Law Office of Ignacio G. Martinez, to represent you in court. Consider the following six steps if you have been hit and injured by an uninsured driver.@Texas_DPS stats: about 25% of the 17 million licensed #Texas #drivers do not have #Insurance. Click To Tweet
1. Make sure You Have The Right Insurance Protection
Personal Injury Protection (PIP) coverage and Uninsured/Underinsured Motorist (UM/UIM) coverage are the two most important insurance provisions to purchase in order to protect yourself and your passengers from an uninsured motorist. Don’t wait until a car accident happens to consider having these crucial pieces of coverage in your insurance plan.
These policy provisions can help pay for bodily injury expenses including medical bills, lost wages, pain and suffering, and more. They also cover property damage such as auto repairs, rental car fees, and damage to valuables inside the car. As medical costs continue to increase, and with millions of uninsured drivers in the state of Texas, we strongly recommend adding this to your insurance coverage.#PersonalInjuryProtection can protect you against #uninsured #RGVdrivers Click To Tweet
2. Call the Police
This is standard procedure when it comes to any accident. Calling the police will allow the proper authorities to create an Accident Report which will provide your insurer important details about the accident including:
- The at-fault party
- Where the accident happened
- How the vehicles were damaged
- The type of injuries that were sustained
- Who has insurance
- Citations or arrest that were made
Make sure to obtain the officer(s) names, case number, and card(s).
3. Seek Out Medical Attention as Soon as Possible
The body can sustain anywhere from the slightest to the most severe injuries in a car accident. At times the adrenaline and shock of the incident may leave you feeling “OK” after the accident but neglecting medical attention is a bad idea.
Even if you do not have any visible injuries, you still could have sustained internal injuries, that if left untreated, could result in permanent injury or even death. At times, serious injuries do not begin to affect the body until the days following an accident. It is highly recommended that you visit a doctor for an examination within 76 hours of the accident. Anything longer than that and insurance companies can infer that your injury occurred after the accident and not as a result of it.
4. Acquire Information From the Other Driver
Ask the driver for their current car insurance information. In case they don’t have insurance, ask if they have an older or expired insurance card. Just because their insurance has expired doesn’t necessarily mean that they are uninsured.
5. Give Your Insurance Company a Call
It is in your best interest to give your insurance company a call immediately after an accident to file a claim and to review your current insurance plan. When dealing with an at-fault, uninsured or underinsured driver, it is critical to know what options you have.
When you have uninsured motorist coverage, your insurance company helps cover your expenses from an accident. With an underinsured motorist coverage, you are protected when the at-fault driver’s liability limits are too low to cover the damages of the vehicle or any medical expenses.
Keep in mind that the Texas Insurance Code has mandated that all insurance companies that are doing business within the Texan border offer these protections. These protections may cover the policyholder, the family members that reside within the same household, any passengers within the insured vehicle, and anyone driving the insured vehicle with the owner’s permission.Insurance Research Council est. drivers have a 14% chance of being in an #accident with a #uninsured driver. Click To Tweet
6. Reach Out to an Experienced Personal Injury Lawyer!
Even with UM/UIM or PIP coverage, your insurance company may attempt to deny your claim. When this happens, you will need to seek the qualified guidance of a capable lawyer who is familiar with uninsured motorist law in Texas. It can be difficult to recover the coverage owed to you without the legal representation to help fight for you.