What if the scariest day of your life simply saved getting scarier? 

That is what occurs to many Texas drivers after they get hit by one other automobile. Clearly, getting hit by one other driver is frightening, and coping with every thing afterward generally is a actual headache, particularly when you don’t have good automobile insurance coverage. However when you don’t have any insurance coverage in any respect when one other driver hits you, it may be very horrifying since you don’t know what authorized penalties you could face and whether or not it’s doable to get justice for what occurred to you. 

Thankfully, there are issues you are able to do to take management of those surprising accidents. Maintain studying to find precisely what to do if you don’t have insurance coverage in Texas and get hit by a automobile! 

Texas Is an At-Fault State 

The very first thing it is advisable perceive is that Texas is a “fault state” for drivers. That implies that whoever causes an accident is responsible for paying for the harm they trigger. Even when you don’t have insurance coverage when you find yourself struck by one other driver, it doesn’t change the truth that the opposite driver is predicted to pay for the harm that you just and your automobile could have skilled. 

Ideally, the opposite driver will work with you after the accident to make issues proper. So long as they’ve insurance coverage of their very own, then that driver’s legal responsibility protection helps to cut back the out-of-pocket prices for that driver. 

If the opposite driver doesn’t cooperate, otherwise you don’t suppose the settlement supplied by their insurance coverage firm is truthful, you’ll have to sue both the driving force or the insurance coverage provider. And whereas few drivers ever wish to go to court docket, it’s vital to start documenting proof that you could be want. 

Doc All the things as Quickly as Doable 

It could sound a bit paranoid, however after a automobile accident, it’s good to imagine that you just would possibly probably need to take the opposite driver to court docket over their unsafe driving. That’s why, after ensuring that you just and everybody else is okay, the very first thing it is advisable do is start documenting every thing associated to the accident. 

This implies writing down the title and insurance coverage data of the opposite driver (they are going to want your data, too) and the title and make contact with data of anybody close by who witnessed the accident. If the police are concerned within the accident, write down the names and badge numbers of the officers concerned, and don’t neglect to request a replica of the accident report from the police division later. 

Lastly, take in depth footage of your automobile (significantly the harm), the opposite automobile, and the opposite automobile’s license plate (this can be tougher if the accident occurred at evening). If you happen to do find yourself having to take anybody to court docket, these photographs may also help show how dangerous the accident was when it’s your phrase versus theirs. Upon getting insurance coverage of your personal, the pictures and documentation may also help your insurance coverage firm course of the declare.

How A lot the At-Fault Texan Driver Ought to Pay 

It may well typically be tough to find out how a lot you suppose the opposite driver ought to need to pay. At a minimal, they should pay for harm to your automobile and any medical payments you incurred after the accident. You’ll want to preserve data of your medical payments and data of how a lot it value to repair your automobile. 

If you happen to ended up lacking any work due to the accident, then it’s truthful for the opposite driver to pay in your misplaced wages. Past that, you can too sue for issues like ache and struggling on high of every thing else, however you could want lawyer to get the complete quantity you might be asking for. 

Why You Might Want a Good Lawyer within the Lone Star State 

If you happen to don’t have insurance coverage and get struck by one other driver in Texas, then you could wish to begin trying to find attorneys who concentrate on car claims. That’s as a result of, in some circumstances, your personal lack of insurance coverage can flip this into one thing of an uphill authorized battle. 

For instance, the opposite driver’s insurance coverage firm could benefit from your personal lack of protection and attempt to get you to by accident admit to being at fault. Or, in the event that they ask you to report an official assertion, they might ask deceptive questions that may finally hurt your case. 

When you will have lawyer, they may also help keep away from falling into these traps. Most of all, although, a lawyer may also help you negotiate and get as a lot cash as you deserve. Contemplating that the majority automobile accident circumstances are settled out of court docket, it’s vital to have the ability to negotiate a good settlement quantity. 

Can You Get in Hassle for Driving With out Insurance coverage in TX? 

Now, right here comes the dangerous information. Whereas it’s true you could take the opposite driver to court docket even when you don’t have insurance coverage, driving in Texas with out insurance coverage has its personal penalties. The extra typically you might be caught doing it, the more serious these penalties might be. 

For instance, first offenders should pay a charge that ranges from $175 to $350. On the second offense, the charge ranges from $350 to $1,000, and your automobile might be impounded for as much as 180 days, leading to loads of further charges. 

Even when it’s solely your first offense, you may count on your insurance coverage prices to go up. You will have to file an SR-22 with the state for a interval of three years, as effectively, which may considerably enhance your insurance coverage prices. 

Get the Greatest Texas Automotive Insurance coverage In the present day! 

Now you realize what occurs if you don’t have insurance coverage in Texas and get hit by a automobile. However what if nice automobile insurance coverage was extra reasonably priced than you ever imagined? 

Right here at Baja Auto Insurance coverage, we make it straightforward so that you can request a automobile insurance coverage quote on-line. Or when you’d want, you may at all times come into considered one of our native places of work and chat with us. Lastly, when you’re too busy for all of that, simply choose up the telephone and provides us a name at 800-401-6870.