What If I Was Hit by an Uninsured Driver in Texas?

 Posted on July 21, 2025 in Car Accident

Texas drivers are required by law to carry liability insurance, but that does not mean everyone follows the law. When someone is injured in a car crash caused by a driver who does not have insurance or whose policy is too small to cover the losses, this adds stress to an already challenging situation. Uninsured and underinsured drivers are a serious concern on Texas roads.

Fortunately, you may still be able to recover compensation. If you were injured by an uninsured or underinsured driver, speak with a qualified Collin County, TX personal injury lawyer to understand your options for moving forward.

What Does Texas Law Say About Drivers’ Insurance?

Texas law requires all drivers to carry minimum liability insurance coverage of:

• $30,000 for injuries per person

• $60,000 for injuries per accident

• $25,000 for property damage

However, these minimums may not cover serious injuries or catastrophic losses. Worse, some drivers have no insurance at all, despite the legal requirements.

What Happens If the Driver Who Hit Me Has No Insurance?

If the at-fault driver is uninsured, you cannot pursue compensation through their insurance company. That means you may need to file a claim under your own uninsured/underinsured motorist (UM/UIM) coverage, if you have any. This type of coverage is not required in Texas, but it must be offered when you buy a policy, and many people do not realize they have it.

UM/UIM insurance can help pay for damages such as medical bills, lost income, pain and suffering, and property damage. Even though this is your own insurance policy, getting compensation is not automatic. Insurers may still try to delay, dispute, or minimize your claim.

What If I Am Injured by an Uninsured Driver and I Do Not Have UM/UIM Coverage?

If you do not carry UM/UIM coverage and the other driver has no insurance, your options are more limited. You may be able to pursue a personal judgment against the at-fault driver, but collecting that money can be difficult if the driver has no significant assets or income. Another option may be using your health insurance to pay for medical treatment, though you may still face out-of-pocket costs or liens. You may also have personal injury protection (PIP) or medical payments (MedPay) coverage, which can help cover immediate expenses, regardless of fault.

Claims involving uninsured or underinsured drivers can become complicated quickly. It is not just about proving the other driver was at fault; it is also about navigating insurance policies, coordinating coverage, and negotiating with companies that are looking to minimize their payouts. The financial and emotional toll of these crashes can be serious. Medical expenses can pile up, your vehicle may be totaled, and your ability to work could be affected for weeks or months.

Schedule a Free Consultation with a McKinney, TX Personal Injury Attorney

If you were injured in a crash with an uninsured or underinsured driver, you may still have options for financial recovery. Contact a Plano, TX personal injury attorney at Burress Injury Law for a free consultation. We serve clients throughout Texas and are ready to help you move forward. Call 214-726-0016 today to get started.