There are many drivers out on the road and not all of them may be insured. But what happens if you get into an accident with an uninsured driver?

Read on for some helpful tips on what to do if an uninsured driver hits you.

Determine Fault

After an accident, it is important to first call the police. Not only does this call authority to the scene, but the police will then be able to officially determine who was at fault.

This is especially helpful if you feel or know you are not at fault for the accident. Gather details and pictures of the accident, as this will help with your insurance claim.

File a Claim

After the police report is complete, it is important to file a claim with your insurance as soon as possible. Be sure to file an uninsured motorist claim or under the collision portion of your policy.

If you do not have uninsured motorist coverage, your claim may be difficult to get approved. This is why it is so important to gather as much evidence as you can, along with the police report, to help your cause.

Who Pays The Damages?

As Texas is a fault state, the individual responsible for the accident is held liable for any damages. If the person responsible does not have insurance, then this becomes tricky.

Texas follows Tort laws (civil wrong) which require the person who is at fault to pay. If the person who hit you was determined at fault and does not have insurance to pay for damages, you will then have to sue for damages.

Sometimes if you don’t sue, your insurance company will decide to take legal action against the other driver, which means you will still have to appear in court.

Payne Insurance Group

Protect yourself and your vehicle by adding underinsured and uninsured motorist coverage to your policy!

Payne Insurance Group provides insurance for auto, home, commercial, and much more! Payne Insurance Group has partnered with over 13 businesses across the Rio Grande Valley, As a result, we have created a one-stop-shop for all your automotive needs.

Get your FREE insurance quote today!