Auto accidents, always
scary and stressful, get even more stressful if the driver who hit you is
uninsured. An uninsured driver is legally defined as someone who has no
insurance or who hits and runs. Not only are you suddenly burdened with car
repairs and medical bills, but you’re also faced with getting the money to pay
for them. The Law Office of Joe Brad Brock has put together this guide to help you understand
what to do if you find yourself in this situation in South Texas.
Texas Law gives you
the opportunity to buy uninsured motorist coverage to protect yourself. This
coverage is optional, but your insurance company must offer you the opportunity
to purchase it, and your refusal to purchase must be in writing. If the insurance
company does not have your written refusal, they must provide you uninsured
motorist coverage. This coverage protects you, your family members, passengers
in your car, and anyone driving your car with your permission. It pays your
medical and funeral expenses, car repairs, car rental, lost wages and other
damages up to the limits that you have purchased.
Gather Information for your
First things first:
call the police. At this point, it is important that you gather all the
information you can about the accident, the driver, and the responding police.
Get the other driver’s contact information, the make and model of their
vehicle, their driver’s license, and their license plate. Take pictures of both
cars and any damage sustained, as well as the roads you both were driving on
and any traffic signs nearby. Lastly, get the name and badge number of the
responding police officer in addition to the report number for your case.
How Does Texas Handle Fault
in Auto Accidents?
Texas is an at-fault
state, which means that in every car accident, the person who is determined to
be at fault is responsible for covering the expenses of the other party.
Typically, that means that their insurance company would pay for your damages.
However, if the person who hit you is not insured, things get more complicated.
At this stage, you should never accept any money from the driver who hit you.
There’s no way to know what your costs will be ahead of time and accepting any
money now may impact your ability to secure a full payment in the future.
Getting Compensation from an
If you have
uninsured motorist protection as part of your car insurance, then your
insurance company should cover your costs. However, this can be a challenging
process, because you must prove all your damages, which is why it’s important
to have a well-informed lawyer who will aggressively protect your interests in
Car Accident Legal Assistance
for South Texas
The Law Office of Joe Brad Brock has
been assisting South Texas residents with personal injury and car accident
legal services since 1991. Clearly, he and his staff have the knowledge, experience,
and dedication to protect your rights to fair compensation and get you the best
outcome possible. If you’ve been involved in a car accident with an uninsured
motorist, contact The Law Office of Joe Brad Brock
today to schedule a personal appointment.