What are my legal options if I am hit by a driver without insurance in Houston?

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You can be the safest driver on Houston’s roads, but you can still get into an accident because you share the roads with other vehicles. By driving, you run the risk of being hit by another driver, who may or may not have adequate insurance.

Typically, when you are in an accident because of another driver’s actions, you can sue the driver for damages to which you are entitled. In many cases, however, the person who is responsible for the accident does not have enough insurance or personal assets to pursue compensation.

You may have uninsured or under-insured motorist coverage as part of your car insurance. Under Texas law, drivers are only required to cover insurance for $30,000 per person for bodily injury (maximum of $60,000), and $25,000 for property damage. However, if a driver does have insurance, if it’s only the minimum coverage, even the most severely injured person can recover $30,000 for his or her injuries, even though it’s likely the case may be worth a lot more.

If you are injured in a car wreck, and the other driver does not have sufficient insurance coverage, you may be able to pursue a claim against your insurance company under the terms of your policy. However, insurance companies make their money by paying less money on claims than they take in, which may mean that they deny your claim entirely. You may be forced to get an attorney involved to get the fair compensation to which you are entitled after an automobile accident.

Call the Houston personal injury attorneys at Kennedy Hodges at 855-947-0707 if you need to speak with an attorney about your legal claims. We can help. You may be entitled to compensation from your insurance company for your medical expenses, pain and suffering, lost wages, property damage, and more. Call us today or visit us on Twitter to learn more about our firm. 

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