What Happens If I'm Hit By An Uninsured Driver In Texas?

Overview

Getting hit by an uninsured driver in Texas is more common than many people expect, but it doesn't necessarily leave you without options. Texas insurers must offer uninsured/underinsured motorist (UM/UIM) coverage on every auto policy, and unless you signed a written rejection, you may already have it. That coverage lets you file a claim with your own insurer when the at-fault driver has no insurance to pay for your injuries.

Frequently Asked Questions

What happens if I'm hit by an uninsured driver in Texas?

If you carry uninsured/underinsured motorist (UM/UIM) coverage, you can file a claim with your own insurance company for your injuries and losses, since Texas law requires insurers to offer this coverage on every policy unless you rejected it in writing under Texas Insurance Code § 1952.101.

How do I know if I have UM/UIM coverage on my policy?

Check your insurance declarations page or call your agent directly. Because Texas requires a signed rejection form to opt out, many drivers carry this coverage without realizing it.

What if I don't have uninsured motorist coverage?

Without it, recovering compensation usually means pursuing the uninsured driver personally, which can be difficult if they don't have meaningful assets. A lawyer can help evaluate what realistic paths for compensation remain.

Does uninsured motorist coverage apply to hit-and-run accidents?

Generally, yes. Hit-and-run crashes are typically treated as uninsured motorist claims since the at-fault driver and their insurance can't be identified.

Is there a deductible on uninsured motorist property damage claims?

Yes, Texas sets a $250 deductible on uninsured motorist property damage claims that can't be waived, though this deductible doesn't apply to the bodily injury portion of your claim.

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This page is for general informational purposes only and does not constitute legal advice. Laws vary by state and every case is different. Contact us to discuss the specific facts of your situation.

What Happens If I'm Hit By An Uninsured Driver In Texas?

Overview

Frequently Asked Questions

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