According to Texas' financial responsibility law, anyone who drives in the state of Texas must be able to pay for the injuries and damage they cause as a result of a car accident. Failing to do so could result in the suspension of a person's driver's license and vehicle registration. Purchasing liability insurance is one of the easiest ways to ensure drivers have the accident coverage they need. As the minimum state requirements for liability insurance are $30,000 bodily injury for one person, $60,000 bodily injury per total accident, and $25,000 property damage per accident, the minimum liability coverage should be sufficient to cover a good portion of accident-related expenses. Of course, liability insurance does not cover the responsible driver's injuries, or damage to their own vehicle, however it would contribute to the costs for injuries and damages sustained by the other party. In cases where the responsible party is completely uninsured, there are various options you can pursue so that you receive compensation for the injuries and damages you sustained.
Providing you have maintained your own car insurance, you could have your own insurance pay your accident-related medical expenses. Keep in mind, however, not all insurance companies have your best interests in mind. Therefore, should you choose to do this, we strongly advise you also contact a skilled car accident attorney at Wyly & Cook, LLP in order to protect your interests and advocate on your behalf. In addition, we can help you file a lawsuit to recover damages from the responsible party. In some instances, your car insurance coverage may account for the possibility of uninsured, or underinsured, drivers. If that is the case, your insurance company should pay for whatever portion the uninsured driver cannot cover. Whatever the case may be, when you contact our firm, one of our knowledgeable attorneys will be able to answer any questions you may have, advise you of your legal rights, assist you in the filling of an insurance claim or lawsuit, and help you obtain justice and recover the compensation you rightfully deserve.
Being injured in a car accident can be an extremely painful and traumatic experience. When that pain is exacerbated by the responsible party being an uninsured motorist, you owe it to yourself to protect your rights by seeking legal representation from an experienced Houston car accident lawyer.