Uninsured Motorist Accidents in Texas: A Guide from a Personal Injury Attorney

Accidents are unexpected and stressful events, but they become even more complicated when the other party involved is an uninsured motorist. In the state of Texas, where roads are busy and accidents are unfortunately common, understanding your rights and responsibilities in such a situation is crucial.

As an experienced personal injury law firm, Spurlock & Associates, P.C. is here to guide you through the steps you should take if you find yourself in this challenging scenario –

Prioritize Safety: Your safety and the safety of others involved in the accident should always be your first concern. If possible, move your vehicle to a safe location to avoid further accidents or injuries. Turn on your hazard lights and call 911 immediately to report the accident and request medical assistance if needed.

Gather Information: Collect as much information as you can about the accident. This includes the uninsured driver’s name, contact details, and license plate number. If there were any witnesses, ask for their contact information as well. Additionally, document the accident scene by taking photographs of the vehicles, damages, and any relevant road signs or signals.

File a Police Report: In Texas, it is essential to file a police report for any accident involving injuries, deaths, or property damage exceeding $1,000. Even if the other driver is uninsured, having an official police report can strengthen your case when dealing with your own insurance company or in court.

Contact Your Insurance Company: Notify your insurance company about the accident as soon as possible, even if the other driver is uninsured. Your policy may include uninsured/underinsured motorist coverage, which can help cover your medical expenses and property damage. Your insurance company will guide you through the claims process and help you understand your policy’s coverage.

Seek Medical Attention: Regardless of the severity of your injuries, it’s crucial to seek medical attention promptly. Some injuries, like whiplash or internal injuries, may not be immediately apparent but could cause complications later on. Document all medical visits, treatments, and expenses, as these records will be essential for your personal injury claim.

Consult a Personal Injury Attorney: Dealing with an accident involving an uninsured motorist can be legally complex. Consulting an experienced personal injury attorney can greatly simplify the process. They can help you understand your rights, negotiate with insurance companies, and, if necessary, represent you in court. A skilled attorney can also explore other options for compensation, such as filing a lawsuit against the uninsured driver personally.

Preserve Evidence: Keep all documents related to the accident, including medical bills, repair estimates, and correspondence with insurance companies. This evidence will be crucial when building your case. Additionally, follow your attorney’s advice on what information and evidence to gather to strengthen your claim.

Speak to a Personal Injury Attorney Today

Being in an accident with an uninsured motorist is undoubtedly a challenging situation, but you don’t have to face it alone. By following these crucial steps and consulting a personal injury attorney, you can navigate the aftermath of the accident more effectively.

Understanding your rights and having a knowledgeable advocate by your side can make all the difference in ensuring you receive the compensation you deserve.

Contact Spurlock & Associates, P.C. today at 281-548-0900 to discuss your personal injury case.