If the person who caused the accident is uninsured, that will typically imply that they do not have any assets to go after either. We will perform a search. If they are uninsured and have no assets, we will have to look to your Uninsured Motorist Coverage to make a claim for your damages against. Likewise, If they have insufficient coverage for your claims, we will look to make a claim on your Under insured Motorist Coverage.

If the person who caused the accident has coverage, but not enough, we will work with all the providers and health insurers involved to try and make a recovery for you an pay off all the bills with the amount that is available. Unfortunately, we do this all the time. If the person who hit you is uninsured and has no assets, the sad fact is there will be very little, if anything, that can be done to make you whole.

While it doesn’t seem fair this scenario is exactly what you have been paying that premium for all this time. You paid for the insurance, don’t be afraid to get what you paid for.

This is a type of coverage that you may have under your car insurance policy if you elected to have it at the time you signed up for insurance. Typically, a Texas policy will have $2,500-$5,000 per person. This is no fault insurance (meaning it gets paid regardless of who caused the accident) and is meant to help pay for your out of pocket medical expenses or lost wages. You can make an application with your insurance company for these benefits.