Getting into a car accident is bad enough. But when the other driver doesn’t have insurance—or doesn’t have enough—it can make things even more stressful. Unfortunately, many Texas drivers are uninsured or underinsured, leaving victims with unpaid medical bills and repair costs. At Hildebrand & Wilson, LLP, we help accident victims in Pearland and across Texas get the compensation they deserve, even when the at-fault driver can’t pay.
Texas Insurance Laws Explained
Texas law requires drivers to carry minimum liability insurance of:
- $30,000 for injuries per person
- $60,000 for injuries per accident
- $25,000 for property damage
But these limits don’t always cover the full cost of a serious crash. When injuries are severe, medical expenses and lost income can far exceed the at-fault driver’s policy. And if that driver has no insurance, the situation becomes even more difficult.
Your Options After an Uninsured Driver Accident
If you’re hit by an uninsured or underinsured driver, you still have options. You may be able to:
- Use your own Uninsured/Underinsured Motorist (UM/UIM) coverage
This coverage helps pay your damages when the other driver has no or too little insurance. - File a personal injury lawsuit against the at-fault driver
In some cases, you can sue the driver personally, though collecting payment can be difficult. - Use other available coverage, such as collision or medical payments insurance, to offset costs.
Our attorneys can help review your policy, identify available coverage, and pursue every possible source of compensation.
Common Mistakes to Avoid
After an uninsured driver accident, many people make the mistake of assuming they have no recourse. Others accept a small settlement without understanding the full extent of their losses. Don’t do that.
Before signing anything or giving a statement, speak with a qualified lawyer who can protect your rights.
Why Hire Hildebrand & Wilson, LLP
We’ve handled countless cases involving uninsured and underinsured drivers in Texas. Our team will:
- Review your insurance coverage and all potential claims
- Investigate the accident and gather supporting evidence
- Negotiate directly with insurance companies
- File a lawsuit if needed to recover damages
We fight to make sure you aren’t left paying for someone else’s mistake.
Contact Our Pearland Car Accident Lawyers
If you’ve been hit by an uninsured or underinsured driver in Texas, you don’t have to face it alone. Contact Hildebrand & Wilson, LLP today for a free consultation. We’ll explain your options and help you recover every dollar you’re owed.
Call 281-557-6406 or reach out through our contact page. We only get paid if we win your case.