Houston Uninsured Driver Accident Lawyer
Getting into a car accident is stressful enough—but finding out the other driver has no insurance can make a difficult situation feel impossible. Texas law requires all drivers to carry minimum liability coverage, yet many choose to ignore this rule, leaving responsible drivers to deal with the fallout. If you were injured by someone who was uninsured or underinsured, a Houston uninsured driver accident lawyer at the Law Office of Israel Garcia can help you explore your legal options.
We understand how confusing these situations can be, especially when you’re facing medical bills, car repairs, and lost income. Our legal team is here to help you pursue the compensation you deserve, whether through your own insurance policy or a personal injury claim against the at-fault driver.
Texas Insurance Requirements & Uninsured Drivers
Texas drivers are required to carry a minimum amount of liability insurance:
- $30,000 for bodily injury per person
- $60,000 total per accident
- $25,000 for property damage
Despite these legal requirements, the Insurance Research Council estimates that nearly 8–10% of Texas drivers are uninsured—and many more are underinsured. In the aftermath of an accident, you might learn the other driver has no coverage or lacks enough to cover your damages.
This is where having uninsured/underinsured motorist (UM/UIM) coverage on your own policy becomes essential. But even then, insurance companies often push back on these claims or offer less than you need.
How a Houston Uninsured Driver Accident Lawyer Can Help
We assist clients in multiple ways when they’re hit by uninsured or underinsured drivers:
- Filing and negotiating UM/UIM claims with your own insurer
- Identifying other liable parties or insurance sources
- Pursuing a personal injury lawsuit against the at-fault driver
- Fighting for full compensation for your injuries and losses
Many people assume there’s nothing they can do after a crash with an uninsured motorist. That’s not true. At the Law Office of Israel Garcia, we help victims identify every possible legal path to recovery.
Compensation After an Uninsured Driver Crash
You may be entitled to financial recovery for:
– Emergency room and hospital bills
– Physical therapy and future medical care
– Lost income and reduced earning capacity
– Pain and suffering
– Vehicle repair or replacement costs
Even if the at-fault driver has no insurance, we can explore wage garnishment, asset seizures, or alternative legal strategies to help you recover what you’ve lost.
What if I don’t have UM/UIM coverage?
If you don’t carry uninsured/underinsured motorist coverage, your options may be more limited—but not impossible. We can review the facts of your accident to determine whether third parties, such as vehicle owners or employers, may be liable. In some cases, a personal injury lawsuit against the driver may also be appropriate, depending on their financial status.
How does UM/UIM coverage work in Texas?
Uninsured motorist coverage kicks in when the other driver has no insurance. Underinsured motorist coverage applies when the at-fault party has insurance, but it’s not enough to cover your damages. Texas insurers are required to offer UM/UIM coverage when you buy a policy, and it can be used to cover medical bills, lost wages, and other damages—up to your policy limits.
Can my own insurer deny my UM/UIM claim?
Unfortunately, yes. Insurance companies often challenge these claims or undervalue them, even when you’ve paid for the coverage. That’s why having a Houston uninsured driver accident lawyer on your side is essential. We know how to fight back against unfair denials and make sure your insurer honors their obligations under your policy.
Contact a Houston Uninsured Driver Accident Lawyer Today
If you were injured by a driver with no insurance—or not enough—don’t assume you’re out of options. The Law Office of Israel Garcia can help you navigate this complex process and pursue the compensation you deserve. Call us at (210) 529-9999 or contact us online at https://www.israelgarcialaw.com/contact-us/ for a free consultation. Se habla español.
