Converse Uninsured Driver Accident Lawyer
Getting into a car accident is stressful enough — but finding out the other driver doesn’t have insurance adds another layer of frustration. If you’re facing medical bills, vehicle repairs, and lost income after a crash with an uninsured driver, a knowledgeable Converse uninsured driver accident lawyer can help you understand your legal options. At the Law Office of Israel Garcia, we represent victims of these difficult cases and fight to recover every dollar they’re owed.
Understanding Texas Law on Uninsured Drivers
Texas law requires all drivers to carry a minimum amount of liability insurance. Unfortunately, not everyone follows the law. In fact, Texas has one of the highest rates of uninsured motorists in the country.
When you’re involved in a crash with an uninsured driver, your recovery depends largely on whether you carry Uninsured/Underinsured Motorist (UM/UIM) coverage on your own auto insurance policy. This coverage is designed to help in situations where:
- The at-fault driver has no insurance at all
- The at-fault driver leaves the scene (hit-and-run)
- The at-fault driver has minimal coverage that doesn’t fully cover your damages
Even though this is coverage you’ve paid for, insurance companies often delay, deny, or undervalue UM/UIM claims. That’s where we step in.
What You Can Recover in a UM/UIM Claim
If you’re filing a UM/UIM claim, your policy can provide compensation for:
- Medical expenses related to the crash
- Lost wages from missed work
- Vehicle damage or replacement
- Pain and suffering
- Long-term care or rehabilitation if needed
At the Law Office of Israel Garcia, we help clients fully understand what their policy entitles them to. We review your coverage, communicate with your insurer on your behalf, and fight to make sure you aren’t left footing the bill for someone else’s recklessness.
What If You Don’t Have UM/UIM Coverage?
If you don’t have uninsured motorist coverage, options are more limited — but not impossible. Depending on your circumstances, we may be able to:
– Explore whether any third-party liability exists (e.g., if the other driver was working at the time of the crash)
– Investigate whether the uninsured driver has assets worth pursuing through a personal injury lawsuit
– Use other portions of your policy, such as Personal Injury Protection (PIP) or MedPay, to recover some costs
We understand how overwhelming this process can be — especially when you’re recovering from injuries. That’s why we’re here to help every step of the way.
Why Hire a Lawyer for an Uninsured Driver Claim?
Even when you’re dealing with your own insurance company, they are not on your side. They may try to:
– Delay your claim
– Offer far less than what your injuries and losses are truly worth
– Pressure you into accepting a quick settlement
– Misrepresent your coverage limits
Working with our experienced legal team ensures that your rights are protected and your claim is taken seriously.
FAQs About Uninsured Driver Accidents in Converse
What is the minimum liability insurance required in Texas?
Texas drivers must carry at least $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage. But these limits don’t help if the driver has no coverage at all — which is why having UM/UIM coverage is critical.
How long do I have to file a UM/UIM claim?
Texas law requires personal injury claims to be filed within two years of the date of the accident. However, insurance policies may have additional notification requirements, so it’s important to act quickly. We can help you navigate both legal and policy deadlines.
Can I sue an uninsured driver personally?
Yes, but if the driver has no insurance, they often don’t have assets to recover. That said, in some cases — such as crashes involving drunk drivers or repeat offenders — pursuing a civil case can result in a judgment that may be enforceable in the future. We can help evaluate if this is a viable route in your case.
Talk to a Converse Uninsured Driver Accident Lawyer Today
Being injured by an uninsured driver doesn’t mean you’re out of options. At the Law Office of Israel Garcia, we’ll help you understand your rights and pursue the compensation you deserve. Call us today at (210) 529-9999 or contact us through our online form for a free consultation. Se habla español — and we’re ready to help you take the next step forward.
