What if the person who caused the accident doesn’t have any insurance or doesn’t have enough insurance?
You might be out of luck. However, if you carry Uninsured Motorist Coverage (UM) and Underinsured Motorist Coverage (UIM), your own insurance company will compensate you for your injuries up to the amount of coverage you contracted for. You might also have personal injury protection coverage (PIP) which will reimburse you for lost wages and medical expenses, up to the amount of coverage you purchase. You can also contact Texas Department of Public Safety about having the non-insured’s driver’s license suspended.
