Rhett Hoestenbach, P.C. Law Firm

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What to do if you are hit by an uninsured driver

No matter how you look at it, automobile accidents are horrible and stressful experiences. Whether it's a minor fender bender that damages your car's paint job or an outright total that retires your vehicle for good, car crashes are something everyone wants to avoid. But what if the driver of the car that scratched your paint job or completely totaled your automobile does not have insurance? When you are involved in an accident with an uninsured party here is what you have to know and need to do. First of all you should be aware of the laws specific to your state. Some states have tort laws, which means the driver at fault is the one who pays the damages. And while this sounds great initially, an uninsured driver is probably uninsured for a reason: they do not have much money. And while you may acquire a lawyer and sue, winning the lawsuit will not always result in your recovering the damages inflicted upon your car. Texas is a "fault-state" which basically means the individual responsible for the auto accident is thusly responsible for reimbursing the other party for the damages the former is responsible for. If you do not want to take a chance with your state's laws or uninsured drivers you may add a policy on to your own insurance plan to cover damage incurred upon your car by an uninsured or even under-insured motorist. Though this expansion of coverage may result in your paying a higher insurance rate, it takes a lot of worry and guesswork out of the equation. Above all, you should be prepared for all things pertaining to your automobile. That means being aware of the proceedings necessary post-accident. However, accidents are unexpected and oftentimes unavoidable, should you find yourself involved in an accident caused by an uninsured driver contact Rhett Hoestenbach, P.C. to guide you through the restoration process.

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Board Certified - Texas Board of Legal Specialization | Personal Injury Trial Law - Rhett Hoestenbach