Being involved in a car accident is incredibly overwhelming and if the driver who hit you is uninsured or underinsured, you might be worried if you can still obtain the compensation you deserve for any property damage or injuries you sustained. Unlike some states, Texas has a fault system, which requires fault to be assigned to a motor vehicle accident, and for the at-fault driver to provide compensation to victims who sustained property damage and injuries that incur medical expenses.
To pay for damages and medical expenses, most people are in need of the financial assistance that car insurance provides. If you were involved in a car wreck with an uninsured or underinsured motorist, it might be possible to recover compensation from your own insurance company if you have underinsured or uninsured motorist coverage. In fact, it is illegal for insurance companies to sell drivers a policy that does not include this type of coverage, unless you explicitly reject it. Given the competitiveness of the car insurance market, agents often try to find a way to get gain an advantage over their competition by offering lower premiums. Unfortunately, this often means waiving your uninsured motorist coverage without you knowing.
It is certainly possible to file a personal injury lawsuit against an uninsured driver and to even secure a judgment against him or her, but if the driver is unable to afford to pay the judgment, it will not be worth much. Unless you are suing someone with non-exempt assets, you might not be able to recover the compensation awarded to you in a judgment.
Car accidents are never an easy experience to endure, especially if you were hit by a driver who is underinsured or uninsured. At M. Austin Jackson Attorney at Law, our personal injury attorney can help lessen the burden and stress of this situation by providing the skilled and compassionate representation you deserve to obtain the compensation you need. Reach out to us today.
Call our office at (706) 724-2661 to request your free consultation with a knowledgeable member of our Augusta legal team.