What Do I Do If The Other Driver Does Not Have Insurance?

What do I do if the other driver does not have insurance? You should always get as much information on the other driver as you can. You want to have the uninsured motorist insurance policy. This way you can recover damages from other people's insurance as well.

The State of Texas requires that all drivers carry liability coverage only. Generally, the minimum policy in Texas is twenty thousand dollars of coverage. That protects you against your own negligence. If you cause an accident and you are negligent, somebody else can sue you because of your negligence. So as long as their damages are not more than your coverage amount, then you will be fully covered.

If the other driver does not have insurance, then you want to have uninsured motorist coverage on your own policy. Most people who are driving without insurance don't have enough personal assets to satisfy a judgment against them. With an uninsured motorist policy, instead of going after another driver's personal assets, you can make a claim against your own coverage. You can depend on yourself, rather than someone else, to have coverage. Uninsured motorist protects you against the other driver who does not have insurance. So if you have an accident and the other person does not have insurance, your policy will cover you and try to collect it from them.

It is important to note that Texas law states that your uninsured policy cannot exceed your liability policy limits. So if you have twenty thousand dollars worth of coverage for yourself, you can not get forty thousand dollars worth of coverage in uninsured motorist coverage. It is an ethical way of saying let's take care of everyone equally. All of the benefits are equal, and you do not get the better benefit over somebody you might have wronged by accident.

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