Auto accidents can happen to anyone at any time – distracted driving, a wrong turn, driving too fast, driving too close, a miscalculation, or a momentary lapse in attention. Sometimes, unfortunately, the person who causes the collision does not have insurance. Texas law requires all drivers to have minimal insurance before they hit the road. The minimal policy limits for bodily injury coverage are $30,000 per person and $60,000 per accident. Not everyone abides by this law. When you’re involved in an accident with an uninsured driver, the situation can become even more complicated and stressful. Knowing what to do in such circumstances is crucial to protecting your rights and securing the compensation you deserve.
At the Law Office of Shane McClelland, PLLC, we understand the unique challenges that come with accidents involving uninsured drivers. Accidents can be expensive, and nobody deserves to have to pay the financial toll of another person’s reckless actions. With two decades of experience, Attorney Shane McClelland is dedicated to helping clients navigate these complex situations. Contact us today for a complimentary consultation to discuss your legal options and ensure you have the support needed to pursue a fair resolution.
Having uninsured and underinsured (if the person who caused the collision does not have enough insurance to cover your damages) is not required under the law. But every Texas insurance company must offer uninsured and underinsured motorist coverage to each of its policy holders. If you are unsure if you have uninsured and underinsured motorist coverage, then contact your insurance agent to find out your current coverage and options.
What to Do If You Are Hit by an Uninsured Driver?
Being involved in an accident with an uninsured driver can be a stressful and challenging experience. Knowing the right steps to take can help you protect your rights and ensure you receive the compensation you deserve. Here’s what you should do if you find yourself in this situation:
Call EMS
Your health and the health of your passengers and others involved in the collision is the most important thing. If you or someone involved in the collision is injured, then calling for an ambulance to provide medical services is the first step you should take. Better safe than sorry.
Call the Police
The first step after any accident, especially with an uninsured driver, is to call the police. Reporting the accident ensures that there is an official record of the incident, which is crucial for insurance claims and any future lawsuits you may need to make. The police report will document important details such as the time, location, and circumstances of the accident, as well as the fact that the other driver was uninsured.
This documentation can be vital when dealing with insurance companies or legal proceedings. Additionally, the presence of law enforcement can help de-escalate any tense situations and ensure that all necessary information is accurately recorded.
Partner With a Knowledgeable Personal Injury Lawyer
After ensuring your immediate safety and documenting the accident with the police, your next step should be to partner with a knowledgeable personal injury lawyer. Navigating the complexities of a lawsuit involving an uninsured driver can be daunting, but an experienced attorney can guide you through the process.
At the Law Office of Shane McClelland, PLLC, we specialize in handling such cases and can help you explore all available avenues for compensation. This might include filing a lawsuit with your own insurance company under uninsured motorist coverage or pursuing a lawsuit against the at-fault driver. By partnering with us, you can focus on your recovery while we handle the legal complexities, including:
- Collecting all relevant evidence
- Establishing an at-fault party
- Fighting for a worthy settlement offer
We are here to help ensure your rights are protected and that you receive the compensation you deserve, even when the liable driver is underinsured.
Schedule Your Free Consultation With a Local Attorney Today
Attorney Shane McClelland brings nearly 20 years of experience to the table, specializing in personal injury cases and understanding the complexities of dealing with uninsured drivers in Texas. With a deep understanding of your unique situation, Attorney McClelland works meticulously to build a strong case that highlights the responsibility of the other party and the impact of the accident on your life.
If you’ve been hit by an uninsured driver in Texas, it’s essential to know your options for recovering damages. The Law Office of Shane McClelland, PLLC is here to guide you through the process, ensuring your rights are protected and advocating for the compensation you deserve. Call (713) 987-7107 or utilize our contact form to schedule a consultation today.