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McAllen Uninsured Car Accident Attorney

In Texas, all motorists are mandated to carry auto insurance, but unfortunately, some drivers choose to violate this legal requirement and operate their vehicles without insurance. When a negligent uninsured driver causes an injury accident, it adds a layer of complexity to the aftermath. 

In such cases, the injured party may face challenges seeking compensation for medical expenses, lost income, pain and suffering, and other damages. At Tijerina Legal Group, our experienced McAllen uninsured car accident lawyer can help you recover your rightful compensation.

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Minimum Car Insurance Coverage Requirements in Texas

As a fault state, Texas requires motorists to carry liability insurance to cover potential damages in an accident where they are at fault. The minimum car insurance coverage requirements in Texas are as follows:

Bodily Injury Liability (BIL)

  • $30,000 per person injured in an accident.
  • $60,000 for all persons injured in an accident.

Property Damage Liability (PDL)

  • $25,000 for property damage per accident.

These minimum coverage amounts are commonly referred to as “30/60/25” and represent the minimum limits of liability insurance that drivers must carry. Bodily Injury Liability covers medical expenses, lost wages, and legal costs for those injured in an accident where the insured driver is at fault. 

Property Damage Liability covers the repair or replacement of the other party’s damaged property, such as their vehicle. While these are the state-mandated minimums, drivers may choose to carry higher coverage limits or additional types of coverage for more comprehensive protection.

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How Uninsured or Underinsured Car Accident Injury Victims Can Recover Compensation in McAllen, TX

Uninsured or underinsured car accident injury victims in McAllen, TX, face challenges in recovering compensation, but our uninsured car accident attorneys will exhaust all possible avenues to protect their rights.

Uninsured/Underinsured Motorist (UM/UIM) Coverage

Victims who have UM/UIM coverage can file a claim with their insurance company. This coverage compensates for injuries and damages when the at-fault party is uninsured or underinsured.

Personal Injury Protection (PIP) Coverage

PIP coverage, though not mandatory in Texas, can provide benefits for medical expenses and lost wages regardless of fault. It can be utilized by victims to cover initial costs while pursuing compensation from other sources.

Suing the Uninsured Driver

While an uninsured driver may not have insurance to cover damages, civil legal action can still be pursued. However, the ability to recover compensation may depend on the financial resources of the uninsured driver.

Asset Recovery

If the uninsured or underinsured driver has sufficient assets, a legal judgment can be obtained against them. The victim can then seek to recover compensation from the individual’s assets.

Negligent Entrustment Claims

If the uninsured driver operated a vehicle owned by someone else, a negligent entrustment claim may be pursued against the owner if they knowingly allowed an uninsured or underinsured driver to use their vehicle.

Our McAllen Uninsured Car Accident Lawyers are Committed to Maximizing Your Compensation

If you have suffered injuries in a car accident involving an uninsured negligent driver, Tijerina Legal Group is the powerful legal ally you need to protect your right to compensation. Call (956) 777-7770 or write us online to schedule your free consultation.

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Founded by Rio Grande Valley native Humberto Tijerina, the Tijerina Legal Group serves clients in Brownsville and its surrounding cities. We believe every client deserves efficient, personal, and respectful client service, and we back our commitment by offering our T-No Fee Guarantee. If we don’t win your case, you won’t pay a dime.

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