Being involved in a hit-and-run accident is stressful enough, but the stress increases when the responsible driver has no insurance coverage. Knowing your rights and the steps you must take can help you manage this challenging scenario effectively.
Texas laws and your coverage
In Texas, uninsured motorist (UM) coverage protects you in such situations. UM protection can assist with your healthcare costs, income loss and additional harm caused by the incident. Texas regulations mandate insurers to provide UM protection, though you may decline it through written notice.
Filing a claim
Once you have taken the immediate steps, you need to proceed with filing your claim:
- Inform your insurance company: Contact your insurance provider promptly about the crash. Share all collected evidence and police report details with them.
- File a UM claim: If the hit-and-run driver is uninsured, you must file a claim under your UM coverage. Your insurer will examine the case thoroughly and determine the compensation you’re entitled to.
- Consider consulting a lawyer: Handling insurance claims can be complex. Seeking legal advice can improve your chances of obtaining fair compensation. They can guide you through the process and handle negotiations with your insurer.
Taking these actions can substantially influence your claim’s resolution.
Preventative measures
To protect yourself from uninsured drivers, consider the following proactive measures:
- Maintain adequate UM coverage: Ensure your policy includes sufficient UM coverage.
- Install a dash cam: A dash cam can provide crucial evidence during a hit-and-run.
- Stay informed: Frequently examine your insurance plan and understand your coverage options.
By taking these steps, you can protect yourself against future incidents.
Handling a hit-and-run accident with an uninsured driver in Texas can be daunting, but understanding your legal rights and appropriate actions can significantly impact the outcome. Stay safe, stay informed and ensure you have the right coverage to protect yourself.