Uninsured & Driving – What You Need To Know

It is illegal to drive without having driver’s insurance and yet more than 12% of all drivers in the United States are uninsured. Different states have different laws when it comes to motivating drivers to have insurance before they get on the road. Even then many drivers continue to drive without insurance. Affordability is a huge issue for many people as insurance costs continue to rise every year. States with lower rates of uninsured drivers tend to have more affordable insurance as compared to states like Texas that have less affordable insurance to offer. About 13.3% of all drivers in Texas are uninsured, according to the Insurance Research Council. Uninsured drivers are a huge risk not only for themselves but also for others on the road. In case of an accident, most people would claim compensation from the party responsible for the damage. However, if that party is uninsured the injured person will most likely be stuck with costly medical bills and lost time at work.

Many auto insurance providers offer underinsured and uninsured motorist insurance to their customers that would cover you in the event that the person, who damaged your car and/or injured you in an accident, does not have any or does not have enough coverage to compensate you for your losses. Such coverage plans would provide coverage in a hit and run accident or in an accident where the person who caused the damage is underinsured. It is important to know that the burden of proving that the person responsible for damaging your car has no coverage or insufficient coverage lies with your insurance provider. If the insurance provider cannot prove that the responsible party has coverage then you can make an uninsured motorist insurance claim.

Often insurance providers try to confuse the policyholder by talking in technical terms and telling them that they cannot provide coverage for certain situations. Often claims, filed by insured drivers for an insured car that a friend or someone other than them was driving, are denied (wrongfully). If you are involved in a car accident with an underinsured or uninsured driver it is best to file a claim through an attorney. An attorney who is experienced in uninsured driver accidents can review your policy and talk to your insurance provider on your behalf to get you the maximum compensation. After an accident, it is import to secure as much identifying information as possible.  An attorney will know exactly how to do that and what is covered under your policy and what your rights are in such accidents. Moreover, sometimes attorneys can direct you to pursue legal action on other entities (such as bars for over serving alcohol to uninsured driver) to recover losses.

If an underinsured or uninsured driver in Texas injured you or a loved one in a car accident, it is highly recommended that you hire an attorney. There are special rules in Texas intended to protect victims hit by uninsured drivers and your own insurance may be able to cover the expenses. Rad Law has competent and experienced uninsured driver accident attorneys in Dallas that can help you with all the required paperwork and communicate with your insurance provider on your behalf. Call us today for a free consultation about your case.