What Happens if You Have No Insurance But the Other Driver Was at Fault?

Any kind of car accident case can be complicated. But if you don’t have insurance and the other driver is at fault for the wreck, that can make things even more complex. The Houston car accident attorneys at Armstrong Lee & Baker LLP are ready to handle those challenges and help you get the compensation you deserve.

The Difficulties if You’re Not Insured

If you don’t have insurance, you’re not alone. There are 2.5 million uninsured vehicles in Texas. Many people don’t have coverage due to cost. Our state’s average yearly car insurance premium is $2,637 for a comprehensive policy and $760 for minimum coverage.

Unfortunately, being uninsured leaves you vulnerable to potential financial and legal ramifications stemming from a car accident.

Without insurance, you may be personally responsible for covering the costs associated with the accident. These costs include vehicle repairs, medical expenses, and any property damage. Depending on the accident’s severity, these expenses can be substantial and exceed your financial means.

Another consideration is the potential impact on your future insurance premiums. Even if you weren’t at fault in the accident, being uninsured can signal to insurers that you represent a higher risk, leading to higher premiums or difficulty obtaining coverage in the future. This can create long-term financial consequences that extend beyond the accident’s immediate aftermath.

Getting the Money You Deserve

You don’t deserve to pay the bills for your injuries if you can demonstrate that someone else was to blame for the crash. So, how do you get the money needed to cover those expenses? Your first move should be to contact a car accident attorney at Armstrong Lee & Baker LLP. 

An experienced car accident lawyer can prove your claim and seek fair compensation from the at-fault driver’s insurance. Skilled attorneys know how to investigate accidents and gather evidence. These are a few of the ways they do so.

• Investigating the scene: Your lawyer will go to the accident scene to look for physical evidence supporting your version of events. Suppose the at-fault driver slammed into the back of your car because they were speeding. Your attorney can take photographs of fresh skid marks showing the other motorist slammed on their brakes.

• Consulting with experts: The best car accident attorneys have relationships with accident reconstruction experts. These professionals can use their knowledge to detail how the wreck happened and show that the other driver is to blame.

• Insurance company negotiations: Your lawyer will use the evidence they gather to convince the at-fault driver’s insurance company to offer a fair settlement. They’ll show the insurer it won’t do any good for them to deny your claim or make a low-ball offer. If they do, your car accident attorney can take them to civil court. 

Contact a Houston Car Accident Lawyer

The sooner you contact us online, the sooner we can begin investigating your accident. The earlier the investigation starts, the better the chances we can collect critical evidence before it disappears. Time is of the essence, so please get in touch with us immediately for a free consultation.

Scott Armstrong

Scott Armstrong obtains remarkable results for his clients. He has successfully tried numerous cases to favorable verdicts and reached significant settlements on his clients’ behalf, recovering millions for them. Our lawyers have 25+ years of combined experience.

Scott is known for his aggressive approach to every case. He has been recognized as a Rising Star by Super Lawyers, an accolade awarded to only 2.5% of attorneys under forty and practicing for less than ten years. Houstonia Magazine, H-Texas Magazine, and others have recognized Scott as a “top lawyer” in Houston.

Get in touch with Scott Armstrong now.