Uninsured in an Accident: Everything You Need to Know

Driving accidents happen often, but far too often drivers find themselves in a situation with someone who is uninsured in an accident.
Dooley Noted, Business Lawyer, Estate planning, Restaurant Lawyer, Insurance Dispute attorney, Alternative Dispute Resolutions

Staff Writer

Staff Writer, @DooleyNotedLaw

Recommended for you

What to do After a Hit-and-Run in Texas

What to do After a Hit-and-Run in Texas

No one wants to deal with a car accident, but hit-and-runs are incredibly stressful. If you were just involved in a hit-and-run, don't worry. You're not alone. Unfortunately, hit-and-runs happen far too often. This blog post will share what to do after a hit-and-run...

If you are involved in a collision, and the other driver is uninsured in an accident, what do you do? A situation like this is often confusing and frustrating, especially if you are unfamiliar with the law. This blog post will discuss everything you need to know about handling uninsured driving accidents and the steps to take at the scene of an accident. We will also explain who needs insurance and why working with a personal injury lawyer in Texas is a good idea.

What to do When the Other Driver is Uninsured in an Accident

According to a recent study by the Insurance Research Council, about one in every eight drivers are uninsured. So it’s no surprise if you find yourself in an accident where the other person is driving without proper insurance. While driving uninsured is something everyone needs to avoid, it’s necessary to prepare before you find yourself in this situation.

What Do To If You’re In an Accident

In any accident, educating yourself on what to do before these events occur is essential.

Take a look at the below steps to make the process more manageable if you find yourself or the other driver uninsured in an accident.

Exchange information with the driver.

First, it’s crucial to exchange information with the driver. In the event of an accident, collect the other driver’s name, address, driver’s license number, phone number, and insurance information (if any).

Gather details from the accident and witness statements.

Second, take pictures of the accident from different angles if you can. Pictures will help when you are trying to figure out what happened. Make sure to get photos of the cars involved and any debris from the crash. Further, take pictures of any traffic signs or signals in the area.

If there were any witnesses to the accident, get their names and contact information. It’s important to gather witness statements in an accident; ultimately, the more information you have, the better.

Call your insurance agent and report the accident.

Talk to your insurance company as soon as possible. However, be careful about what you say, stick to the facts, and avoid giving too many details. Above all, be cautious with how you relay information to insurance companies, even your own.

Call a personal injury lawyer in Texas.

Insurance companies do not usually give people what they want quickly. Suppose you are having trouble getting a reasonable settlement and the at-fault driver is uninsured in an accident. In that case, it might be time to call a lawyer specializing in personal injuries in Texas.

Suppose you have been injured and want to know your legal options. In that case, you should speak with an experienced personal injury lawyer in Texas. At Dooley Noted, we will investigate your case, gather evidence, and negotiate with insurance companies. Ultimately, we will fight for you to get the best possible outcome.

Who Needs Auto Insurance 

The short answer is every driver.

Nearly every state in the United States has a minimum requirement for automobile insurance coverage. States require this because having the appropriate auto insurance policy can help you financially if you are involved in an accident. Additionally, suppose you have a full coverage auto policy. In that case, your insurance may also protect you in other circumstances, whether or not you are the one at fault. Full coverage insurance is helpful if the other driver is uninsured in an accident.

What if I am Uninsured in an Accident 

Life is full of unpredictable events. Sometimes, you may find yourself in an accident without being adequately insured. Avoid this situation sooner rather than later and insure your vehicle today.

States like Texas do not take driving without insurance lightly. Even as a first-time offender, penalties for driving uninsured include:

  • Fines ranging from $175 to $350
  • $250/year surcharge when renewing the license for three years 
  • Increased premiums when you do get proper insurance because insurance companies see you as a high-risk driver
  • SR-22 requirement imposed

Why Hire a Personal Injury Lawyer in Texas if Someone is Uninsured in an Accident

Following the steps above will help avoid further issues if the other party is uninsured in an accident. However, the process likely requires assistance.

Contact a personal injury lawyer in Texas if you have been injured or involved in a car accident. 

At Dooley Noted, Personal Injury Lawyers in Texas represent people in many types of personal injury cases. We commit to meeting the needs of our clients in personal injury cases by finding the best possible outcome in their situation.

From being blindsided by an accident to suffering at the hands of another person’s negligence, Dooley Noted Personal Injury Attorney ensures you get your life back on track. Let Dooley Noted review your case for free.

The contents of this post, and the posting and viewing of the information on this post, should not be construed as, and should not be relied upon for, legal advice in any particular circumstance or fact situation. An attorney should be contacted for advice on specific legal issues.

Recommended for you

How to Handle a Property Line Dispute 

There's nothing worse than a pesky neighbor. Maybe they let their lawn grow way too long or refuse to trim the tree encroaching in your space, so you might wonder, how do I handle a property line dispute? Those invisible lines that define where your property starts...