Fair Oaks Uninsured Driver Accident Lawyer
Getting into a car accident is stressful enough—but learning the other driver is uninsured can make the situation even worse. Medical bills, car repairs, and time off work start piling up, and you’re left wondering who will pay for it all. At the Law Office of Israel Garcia, our Fair Oaks uninsured driver accident lawyer helps people in your position fight for the compensation they deserve, even when the other driver doesn’t have insurance.
With more than two decades of experience and personal knowledge of what it’s like to be in a crash, our firm takes a compassionate yet aggressive approach to holding the responsible parties accountable. Whether you’re filing a claim through your own uninsured motorist coverage or pursuing other avenues, we’re here to guide and protect your rights.
Your Options After an Uninsured Driver Accident
Texas requires all drivers to carry a minimum level of liability insurance, but many ignore this law. When they cause an accident, it often falls on the injured victim’s own policy to cover damages—if uninsured motorist (UM) coverage was purchased.
Our legal team can help you understand your options, which may include:
- Filing a UM/UIM claim through your own insurer
- Pursuing a personal injury lawsuit against the uninsured driver
- Investigating third-party liability (e.g., employer negligence if they were driving for work)
While it may seem simple to go through your own insurance, even those claims can be met with delays or lowball offers. We make sure your insurance company honors your policy and pays what’s fair.
Why You Still Need a Lawyer—Even With UM Coverage
Insurance companies are not always on your side—even your own. Just because you’ve been paying premiums doesn’t mean they’ll readily offer full compensation. Insurers may dispute the severity of your injuries, the necessity of your treatment, or the value of your car repairs.
Having a lawyer ensures:
- Your claim is properly documented and supported
- You don’t accept a low settlement that won’t cover long-term costs
- Your legal rights are protected if litigation becomes necessary
At the Law Office of Israel Garcia, we fight to make sure you’re not victimized twice—once by the uninsured driver and again by the insurance system.
Do I have a case if the other driver had no insurance?
Yes, you may still have a case. If you have uninsured/underinsured motorist (UM/UIM) coverage, you can file a claim through your own policy. If not, our firm will investigate whether other sources of compensation exist—such as a liable employer or property owner—depending on the facts of your crash. It’s essential to act quickly to preserve evidence and protect your rights.
Can I sue the uninsured driver directly?
You can, but many uninsured drivers lack the personal assets to pay for a judgment. In some cases, it may still be worth pursuing, especially if they have income or property. Our team will assess the likelihood of recovery and advise you on the most effective path forward to recover damages.
What does uninsured motorist coverage typically pay for?
UM coverage can help pay for your medical expenses, lost income, pain and suffering, and property damage. It essentially steps into the shoes of the at-fault driver’s insurance. However, you must prove liability and damages, just like any other personal injury case, and your insurer may challenge your claim. Having an experienced lawyer on your side strengthens your position significantly.
Talk to a Fair Oaks Uninsured Driver Accident Lawyer Today
If you were hit by an uninsured or underinsured driver in Fair Oaks, don’t face the aftermath alone. Let the Law Office of Israel Garcia fight for your rights and secure the compensation you need to move forward. Call (210) 529-9999 or visit our contact page to schedule your free consultation. **Se habla español.** No fee unless we win.
