One of the first things you do after getting in a car accident is exchange insurance information with the other driver involved. By doing this, you know which insurance company to file an accident claim with so that you can obtain compensation for your losses. However, there are many instances in which the at-fault driver does not actually have insurance. These are referred to as
uninsured motorist accidents. Texas officials have implemented a program that has actually greatly decreased the number of uninsured drivers within the state. Yet, this does not mean that the problem has been completely eliminated.
In 2012, the Insurance Journal reported that about 13% of drivers in Texas (amounting to about 2.6 million people) lacked the minimum insurance coverage required by law. This was a 38% decrease from the previous year, in which 22% of the state's drivers (about 4.2 million people) were uninsured. In the article, Texas officials said the drop was due to program that has been working to reduce the number of uninsured drivers by either getting them 1) insured or 2) off the roadways. As part of this effort, the state worked to fix up its driver database. The program involved the Texas Department of Insurance sending out notices to drivers who had vehicles registered to their names but no insurance policies on file. Between 2009 and 2012, more than 2.2 million notices of this type were sent out, according to the Insurance Journal.
While Texas officials have made great strides in their efforts to crack down on irresponsible, uninsured drivers, Texans should not forget that they can still easily end up being injured in accidents caused by drivers who fall into the uninsured category. If you are the victim of an accident that is caused by a driver who is not properly insured, it may be possible to seek compensation through uninsured motorist coverage—if you have such coverage included in your auto insurance policy. This is coverage that is designed specifically to help victims obtain financial recovery when they are injured with drivers who are uninsured. According to the Texas Department of Motor Vehicles, Texans pay nearly $900 million on an annual basis to protect themselves from uninsured drivers.
At our law firm, Wyly & Cook, LLP, our Houston car accident lawyers can help you file an uninsured motorist claim with your own insurance company and help you take the appropriate steps for proving the facts of your accident so that you can maximize your compensation. If you do not have this type of coverage, we may be able to help you seek financial recovery through other means. Contact Wyly & Cook, LLP so we can help you explore your options after you are injured by an uninsured motorist!