What to Do After an Accident With an Uninsured Driver in Texas

Being hit by an uninsured driver can turn an already stressful situation into a financial and emotional headache. Unfortunately, uninsured and underinsured drivers are more common than many people realize — especially across Kaufman County, Terrell, Forney, Greenville, and neighboring East/North Texas communities. Even without the other driver’s insurance, you still have options to pursue compensation. Knowing what to do right away can protect your rights and strengthen your claim.

Take Immediate Steps at the Accident Scene

Right after any car wreck in Terrell or across Kaufman County, safety comes first. Check for injuries and call 911 so law enforcement can document the crash. A police report is a critical piece of evidence when dealing with uninsured drivers.

While waiting for officers to arrive, gather as much information as possible:

• Take photos of vehicle damage, injuries, road conditions, and the crash scene
• Collect the other driver’s contact details (if they remain on scene)
• Record their vehicle make, model, and license plate number

Next, notify your insurer. Texas follows an at-fault system, meaning the person who caused the crash is responsible for damages. Your insurance company will begin evaluating fault and reviewing your coverage options.

How Your Insurance Can Protect You After an Uninsured Driver Accident

Even if the at-fault driver has no insurance, your own policy may still provide compensation. In Texas, many drivers carry Uninsured/Underinsured Motorist (UM/UIM) coverage. This type of coverage is incredibly important after a wreck involving an uninsured driver in Terrell or anywhere in East Texas. It can help pay for:

• Medical treatment
• Lost wages
• Pain and suffering
• Vehicle repairs (in some cases)

Other optional coverages may also help, including:

• Collision coverage – pays for vehicle repairs no matter who was at fault
• Personal Injury Protection (PIP) – covers medical bills and related expenses regardless of fault

These protections can make a significant difference when the other driver has no insurance — a situation that happens far too often on roads like I‑20, Highway 34, Highway 80, and local Terrell intersections.

Considering Legal Action Against the Uninsured Driver

In some cases, you may consider filing a lawsuit against the uninsured driver. This could help recover damages such as medical costs, property damage, and pain and suffering. However, many uninsured drivers lack the financial assets required to pay a judgment, which can limit the value of pursuing a lawsuit.

A Terrell personal injury attorney can evaluate the driver’s ability to pay and determine whether legal action is a practical option. An attorney can also help gather key evidence, communicate with insurance companies, and build a strong case for compensation.

Hit-and-Run Accidents: When the At-Fault Driver Can’t Be Identified

If the driver flees the scene — a common issue in hit-and-run accidents across East Texas — uninsured motorist coverage becomes especially important. Since the at-fault driver cannot be found, your UM coverage is typically the primary source of recovery.

Report the hit-and-run to law enforcement immediately and notify your insurance company as soon as possible. Prompt action improves the chances of a successful claim.

Why Hiring a Terrell Car Accident Lawyer Helps

Accidents involving uninsured or underinsured drivers often lead to complicated insurance disputes and delays. Working with a local personal injury lawyer in Terrell, TX gives you an advocate who understands Texas insurance laws, the claims process, and how to maximize your compensation.

At the Law Offices of Houston M. Smith, P.C., we help clients throughout Kaufman County, Forney, Greenville, and surrounding areas navigate uninsured driver claims, gather evidence, handle adjuster communications, and protect their rights every step of the way.

Protect Yourself Before a Crash Happens

One of the best ways to safeguard yourself is to review your auto policy before an accident occurs. UM/UIM coverage, collision coverage, and PIP can provide essential financial protection — especially in areas with higher rates of uninsured drivers.

After a crash with an uninsured driver, your actions matter. Document the scene, call police, notify your insurer, and seek legal guidance as soon as possible. With quick steps and the right support, you can strengthen your claim and pursue full compensation.

If you or a loved one was injured by an uninsured driver in Terrell, Forney, Kaufman, or anywhere across East/North Texas, we’re here to help. Contact the Law Offices of Houston M. Smith, P.C. at (972) 524‑1903 or visit houstonmsmith.com to schedule a free case review.