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Uninsured Motorist Accidents in Texas
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Uninsured Motorist Accidents in Texas

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

Navigating the aftermath of a car accident can be daunting, particularly when the at-fault driver is uninsured. In Texas, uninsured motorist accidents are unfortunately common, leaving victims with questions about their rights and the best course of action.

As an experienced personal injury law firm, Spurlock & Associates, P.C. is here to provide clarity on what to do if you find yourself in this situation, helping you understand the nuances of uninsured motorist coverage and the steps to take to protect your interests.

The Reality of Uninsured Motorists in Texas

Despite legal requirements, many drivers in Texas operate their vehicles without insurance. Institutions like the Texas Department of Insurance and the Texas Department of Transportation estimate that approximately 14-20% of drivers in the state are uninsured. This lack of coverage can create significant financial and legal complications for those involved in accidents with uninsured drivers.

What is Uninsured Motorist Coverage?

Uninsured Motorist (UM) coverage is an essential part of your auto insurance policy designed to protect you if you are involved in an accident with a driver who does not have insurance. UM coverage typically includes:

  • Bodily Injury (UMBI): Covers medical expenses, lost wages, and other injury-related costs for you and your passengers.
  • Property Damage (UMPD): Covers repairs to your vehicle and other property damage resulting from the accident.

In Texas, insurance companies are required to offer UM coverage, but drivers have the option to reject it in writing. Given the high rate of uninsured motorists, maintaining UM coverage is a prudent decision.

Steps to Take After an Uninsured Motorist Accident

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.

Consult a Personal Injury Attorney Today

Uninsured motorist accidents in Texas present unique challenges, but understanding your rights and options can help you navigate the aftermath more effectively. Having UM coverage provides a crucial safety net, ensuring that you are not left bearing the financial burden of an accident caused by an uninsured driver. If you find yourself in this situation, seeking the guidance of an experienced attorney can make a significant difference in securing the compensation you deserve.

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

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Nicole Segura
The Spurlock Law Firm did an amazing job with my family’s personal injury case, bringing it to successful completion. Kim Spurlock was incredibly impressive. Alex, the firm’s paralegal, kept us informed every step of the way - letting us know what to expect. We’re so grateful they were there to help us. I would 100% recommend the Spurlock Law Firm to anyone needing legal assistance.
Alan Arellano
The Spurlock law firm is absolutely fantastic, they ensured a good settlement for a wreck I was in December 2023, and took great care of me all along the way. I couldn’t recommend this law firm any more than I do. Being 25 with permanent injuries sucks, but knowing I had a good settlement because Kim and Alex petitioned for me so much is very relieving.
Julie Sprott
Kimberly and her assistant Alex did their best to complete the process of working through the personal injury suit filed after I was involved in a head-on car crash caused by an uninsured motorist. Kim negotiated expertly with my auto insurance company to increase the payout for a satisfactory amount. I recommend this law firm for anyone looking for a straight-forward, competent team to assist them in dealing with serious kinds of personal claims.
Eric Olivo
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Bree Mukes
I Am So Greatful for Ms.Kimberly & Ms.Sam, I Was Kept In The Loop On Everything That Was Going On, Ms.Kimberly Definitely Fought a Good Fight To Get Me An Amount I Deserved She’s A Real One & So is Ms.Sam !! I Highly Recommend
Jon Wichmann
Kim and her team are absolutely stellar! From my first day there to my last I was treated like family. I never had to introduce myself or say why I was there, they knew exactly who I was. After a long 4 years, my case was settled and I was extremely pleased with the outcome. They made the entire process stress-free and walked with me every step of the way. I'd like to give a special thank you to Samantha, she is a master of her craft. I couldn't have asked for a better firm. Spurlock and Associates will have my business for any further needs, and I couldn't recommend them enough.
Helen Jones
I am an older lady that lost her husband after 60 years of marriage.
I had no idea what to do about the business of settling his estate.
Luckily I found the Spurlock Law Firm.
They have taken care of all aspects of my business. I cannot praise these wonderful people high enough to reach their level of excellence.
I don't worry anymore I just call the best and they do the rest.
Respectfully, Helen Jones

the the Spurlock Law Firm.
My experience with these extremely talented and helpful people has been a lifesaver to me.
Dewayne Chappell
I have been working with Kim and her firm for many years. They are always friendly and helpful. If you are looking for a firm to help with your estate planning you can't go wrong by hiring them!
Response from the owner:Thank you, Dewayne. We appreciate your business and confidence in us over the years.
Donna Alfred
Wonderful set of people! Ask the right questions and are patient with questions we should have most likely already known. Once the info was gotten to them, it was turned around quickly and correct.
Warren Bunge
I used Spurlock and Associates to settle my wife's estate and for my will. Everyone I met has been patient, kind, helpful and informative. I would easily recommend their services to anyone.
Response from the owner:Thank you, Warren. It was a pleasure assisting you.
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Spurlock & Associates, P.C.’s web page is for informational purposes only and does not constitute legal advice. The information contained is general and the law may apply differently in specific situations. The information provided is based on Texas law and is not meant for residents of other States. If you reside outside the State of Texas or have a matter which involves another state, you should consult with an attorney licensed to practice law in that State. The attorneys associated with Spurlock & Associates, P.C. are licensed only in the State of Texas and do not give legal advice to people outside the boundaries of the State of Texas, unless the laws of the State of Texas apply to a specific case or unless specifically agreed to by Kimberley M. Spurlock. No one can establish an attorney-client relationship with any attorney associated with Spurlock & Associates, P.C. except by signing a written contract with written acceptance by Kimberley M. Spurlock. Kimberley Spurlock is the only attorney who is Board Certified in Personal Injury Trial Law by the Texas Board of Legal Specialization. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.