What Happens After an Uninsured Driver Causes a Car Crash?

 Posted on November 08, 2025 in Car Accidents

Getting into a car accident and then learning that the driver who caused it does not have insurance makes a bad situation feel even worse. Texas law requires all drivers to carry liability insurance, but many people still drive without it. 

If you were injured in a car accident caused by an uninsured or underinsured driver in Texas, you still have legal options. An experienced Carrollton personal injury attorney can help you understand your rights.

Can You File a Lawsuit Against an Uninsured Driver?

Even though Texas law allows you to sue an uninsured driver personally, actually getting money from them can be difficult. Most uninsured drivers do not have the means to pay for damages or injury claims. However, if the uninsured driver has valuable assets or income, your attorney may be able to pursue a civil lawsuit. 

Similar to a claim against an insurance company, you can ask for compensation for medical expenses, replacing or fixing your car, lost income, and pain and suffering. In some cases, a judge may order wage garnishment or take other measures to enforce payment. Still, most people turn to their own insurance coverage for faster and more reliable compensation.

What Is Uninsured and Underinsured Motorist Coverage?

Texas drivers are encouraged to carry Uninsured/Underinsured Motorist (UM/UIM) coverage. This type of insurance protects you if you are injured or your property is damaged by someone who does not have insurance or does not have enough insurance.

If you have UM/UIM coverage, even if your accident was caused by another driver, your insurance company may compensate you for:

• Medical bills and hospital fees

• Physical therapy and rehabilitation

• Lost wages or reduced earning capacity

• Vehicle repair or replacement

• Pain and suffering or emotional distress

Your insurance provider essentially steps into the role of the at-fault driver’s insurance company and pays for your losses up to your policy limits. However, it is important to remember that insurance companies, even your own, may try to minimize payouts. Having a lawyer handle negotiations can help you secure the full amount you are entitled to.

Can You Still File a Claim Against Your Own Insurance if You Don’t Have UM/UIM Coverage?

If you do not have UM/UIM coverage, you may still have options depending on your insurance policy and the details of the accident. For example, if the uninsured driver was working at the time of the crash, you may be able to pursue compensation from their employer’s insurance policy. You should have an attorney take a look at your policy and determine all possible sources of recovery.

Call an Irving, TX Personal Injury Attorney Today

If an uninsured driver caused your car accident, you still have options. At Jerry D. Andrews, P.C., we will explain your legal rights and help you decide what to do next. Do not let an uninsured driver simply leave you with the burden of medical bills and vehicle damage. 

Call 214-221-5800 today to schedule your free consultation with an experienced Carrollton personal injury lawyer. We will fight for your recovery and help you get back on the road to financial stability. Se Habla Español.