Is it illegal to drive without insurance? Yes, driving without insurance is illegal and costly.
If you have been injured in an accident where you or the other driver did not have proper insurance, an Arlington car accident lawyer can help you discover your options.
Why it is Illegal to Drive Without Insurance
Texas car accidents can produce costly expenses due to property damage, medical costs, and other fees. The at-fault driver or party is responsible for covering your expenses resulting from their negligence. An Arlington car accident attorney can provide a comprehensive list of these damages and negotiate with the insurance company for you.
Insurance protects your family from accidents, and reaching a fair settlement with the insurance company is often possible. However, car accidents produce extensive costs and damages and may require going to court. In most instances, filing a civil lawsuit with the insured driver’s insurance company allows you to seek compensation up to insurance limits.
Driving without insurance is illegal because drivers lose vital protection. Suffering extensive damages may require you to file a personal injury lawsuit against the at-fault driver for the costs of the damages. Having no insurance means the at-fault driver is personally and financially responsible to you, potentially resulting in the loss of savings, property, or other resources to compensate for your damages.
For a free legal consultation, call (817) 775-5364
Texas Automobile Insurance Requirements
Texas law requires at-fault drivers to cover the expenses of an accident. Many types of coverage are available, but the Texas Department of Insurance (TDI) requires drivers to purchase automobile liability insurance. Liability comes with policy limits, while other coverages may have no set limits depending on the type.
The at-fault driver’s basic liability will cover up to $30,000 for each injured party suffering injuries in a Texas car accident. However, basic liability limits its coverage for injuries to $60,000. Basic liability insurance will also cover up to $25,000 in property damage to you.
In Texas, it is also illegal to drive without insurance while operating a motorcycle or moped. The extensive damages motorcyclists often experience in an accident make insurance coverage vital for motorcyclists’ recovery. While beneficial, insurance is not a requirement for vehicles that are not permitted on public roads, like golf carts or all-terrain vehicles (ATVs).
Liability in an Accident with an Uninsured Driver
A car accident lawyer in Arlington can help uncover the potentially liable parties in a Texas car accident. At first glance, a driver driving illegally without insurance may appear responsible for your damages. However, an exhaustive investigation may prove these parties are responsible or partially responsible for compensating you:
- A government entity
- A business or company implementing unsafe practices
- Parts manufacturer
- Maintenance or repair divisions or a repair shop
A driver may cause an accident through no fault of their own. While driving without insurance is illegal, the driver’s injuries to you may be through no fault of their own. Pursuing legal action against a business, manufacturer, or governmental agency may be possible.
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How Cases Work Against an Uninsured Driver in Texas
It may be possible to file a Texas personal injury lawsuit against a driver without insurance. However, it is necessary to consider the uninsured driver’s resources to determine if a lawsuit is beneficial for you. Many drivers without auto insurance may be unable to compensate you even after winning a case against them in court.
Because driving without insurance is illegal in Texas, the potential for a hit-and-run scenario becomes greater. Penalties for driving without insurance may result in fines, possible license suspension, and the requirement to sign a financial responsibility insurance certificate (SR-22). Maintaining your safety at the scene of an accident is a priority.
When possible, exchange contact information with the driver. Speak with law enforcement and get a copy of the accident report. Take pictures of the vehicles in the accident, including license plates.
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Potential Compensation in a Car Accident Involving an Uninsured Driver
Without insurance, recoverable damages after a car accident are not available through filing a claim against the at-fault driver’s policy. However, hope is not lost. Other options for compensation after an accident with an uninsured driver may include:
- Using your health insurance coverage for medical expenses
- Filing a claim with your auto insurance provider, depending on your coverage
You will need to meet any deductibles under your health insurance. Most auto insurance policies that cover your costs in an accident are optional and cost more but may save you money long-term after significant accidents. Texas requires motorists to opt out of uninsured/underinsured motorist coverage, which is a tremendous benefit if a driver without insurance causes you injuries.
Steps to Take After a Car Accident with an Uninsured Driver
Advocating for yourself after a car accident is imperative to your recovery. A car accident attorney in Arlington can help you navigate a claim with your insurance provider. Take these steps after a Texas car accident:
- Get medical care: Call 911 or schedule an appointment as soon as possible to document the cause of injury.
- Document your injuries and property damage: Documentation may include medical bills and records, pictures from the accident scene showing your injuries and property damage, and witness statements.
- Gather repair estimates: Under the Consumer Bill of Rights (Pg. 3), Texans have the right to choose a body shop and the parts to repair their vehicles following a car accident.
Your insurance provider will require the same information as the at-fault driver’s company when filing a claim. Thoroughly document your claim to support your compensation requests. Documentation protects your rights under your insurance to any financial recovery available to you.
Contact an Arlington Car Accident Lawyer to Discuss an Uninsured Car Accident
Sadly, drivers illegally driving without insurance in Texas make it difficult for the people they injure in an accident.
Discuss your options for financial recovery with an Arlington car accident lawyer at The Texas Law Dog. We offer free case evaluations for your convenience.
Call (817) 775-5364 or complete a Free Case Evaluation form
