Car accidents can leave you suffering serious injuries. When they involve uninsured drivers, holding those at-fault parties financially accountable can prove challenging. In these situations, it is important to get our experienced Edinburg, TX car accident attorney on your side. The following outlines the steps you need to follow and the options available in seeking compensation for your injuries.
What to do in a Car Accident Involving an Uninsured Driver
In Texas, motorists must carry a minimum amount of automobile insurance. Despite this requirement, the Insurance Information Institute (III) advises that more than 14% of all motorists in the state lack the appropriate coverage. This means roughly one out of every seven drivers you encounter on the road is likely uninsured.
When car accident injuries involving uninsured drivers happen, you could be left having to shoulder the financial burden. To protect yourself in this situation, it is important to follow these steps:
● Report the car accident immediately to law enforcement;
● Get personal contact information for uninsured driver, along with the driver’s license and vehicle registration numbers;
● Make note of the make and model of the car and where the accident occurred;
● Get the names and contact information for any witnesses at the scene;
● Take photos of the damage to your vehicle and your injuries, if possible;
● Seek medical help for your injuries right away.
You will also want to notify your own insurer as soon as possible and obtain copies of the police report, which can provide valuable evidence in your car accident claim.
Holding Uninsured Drivers Accountable for Your Injuries
Drivers can face significant penalties for not meeting the state standard when it comes to car insurance. This includes fines ranging between $350 to $1,500, depending on whether they have been cited for not having insurance in the past. They will also be required to submit a Financial Responsibility Insurance Certificate (SR-22) in the future, which verifies that coverage is in place. If their insurance policy lapses during this time, they face suspension of their driver’s license and vehicle registration.
When seeking compensation for car accident injuries caused by uninsured drivers, you have two options:
● File a claim through your own insurer. You may be entitled to compensation for your injuries through your own uninsured motorists policy. The amount will depend on your policy limits.
● File a personal injury lawsuit against the uninsured driver. In many cases, this will be the best course of action. It can entitle you to a larger settlement, including coverage of current and future medical expenses and lost wages, as well as compensation for the pain and suffering you endured.
Our Edinburg, TX Car Accident Attorney is Here to Help
When uninsured drivers leave you suffering serious injuries, the Law Office of Raúl Guajardo, P.L.L.C., is here to help. Call or contact our Edinburg, TX car accident attorney online and request a consultation to discuss your options today.