The percentage of uninsured drivers in Texas (around 15%) is higher than the majority of other states, who fall at or below 10%. Since the odds are fairly high, insurance companies have multiple ways to dodge paying their insured customers the amount they deserve. So what do you do if you get in a wreck with an uninsured driver?
Uninsured Driver Insurance
The first thing to do is make sure you have uninsured driver insurance. Especially in Texas with such a high percentage of uninsured drivers, it would be in your best interest to get that coverage immediately.
Once you are certain you have uninsured driver coverage, call your agent to make a claim against the uninsured driver. It is assumed in most cases that drivers without insurance probably cannot afford insurance, which means they probably cannot afford the medical bills and damages they caused. Unfortunately, insurance companies avoid these claims because it is a large payout with no compensation from the uninsured driver.
If your insurance company delays, denies or refuses your claim, or if they tried to put the blame of the accident back on you, contact a personal injury lawyer immediately. You will not win a case against an insurance corporation by defending yourself.
Colley & Colley law firm in the Austin, Texas area are professionals in getting the money you deserve from your insurance company. Your insurance company is not your only resources when looking for car accident compensation. Contact Colley & Colley law firm today for a free consultation.