What if the at-fault driver doesn’t have insurance?

Texas law requires all drivers to carry at least the minimum liability insurance (currently 30/60/25: $30,000 per person, $60,000 per accident for bodily injury, and $25,000 for property damage). In addition, insurers in Texas must offer uninsured/underinsured motorist (UM/UIM) coverage, and it is included in your policy unless you reject it in writing.

A Houston car accident attorney can review your insurance policy, explain which coverages may apply, and help pursue claims through the at-fault driver’s insurer and, when appropriate, your own UM/UIM coverage.