When the Other Party is Uninsured

Even though Texas law requires that everybody on the road carry liability insurance, there are plenty of drivers out there who don't carry it at all.

Laws that require people to carry auto insurance are called financial responsibility laws. This is because they require people to be responsible for any damage (or harm) they cause as a result of their driving.

Many people find themselves in situations where they get into an accident with an individual who doesn't carry any insurance. When this happens, the situation can be even worse than it would normally be because that individual will likely not be able to cover the costs of the damage they cause. If you're only carrying the state minimum liability insurance, there'll be no way for you to get compensated for the wreck from your own insurance company. You need to take out coverage specifically for collisions that covers your own vehicle or you need to take out comprehensive insurance, depending upon your insurance company. Liability insurance only covers damage that you do to other vehicles, not damage done to your own vehicle.
If you are in a situation where an uninsured driver has caused you injury or has damaged your property, you may wish to contact a lawyer. Your other option in a situation where a driver doesn't have insurance is to file a lawsuit against them to recover the costs of the accident. There's no guarantee that any of these lawsuits will win. A good lawyer, however, will make sure you know whether or not your lawsuit is worth filing before they take you on as a client. If you find a lawyer who works on contingency, the lawyer won’t get paid for arguing a losing case, so it's very unlikely that they're going to take a case unless they think it will win.
A Dallas auto accident lawyer may be able to help you if you find yourself in this situation. You can set up a free consultation with the car accident lawyer, if they work on contingency. These lawyers will meet with you, review your case and let you know whether or not it's likely that you would get compensation from a jury. There is also a possibility that the individual that you're suing may choose to settle out of court, in which case you don't have to go before a jury at all.