Even when you follow all road rules, a motor vehicle collision can still happen. Car accidents can leave you dealing with serious injuries, heavy vehicle damage, and an uninsured or underinsured driver who cannot cover your losses. If the at-fault driver cannot pay, a local car accident lawyer can help you recover compensation from other available sources.
Uninsured/underinsured car accidents in Brownsville are more common than most realize because many drivers carry only the state minimum or no insurance at all. At Javier Villarreal Injury Law Firm, we know how to pursue every available source of compensation when the other driver cannot pay.
What State Insurance Rules Mean for Your Claim
State law requires drivers to carry minimum liability insurance. Texas Transportation Code § 601.072 sets that minimum at $30,000 per injured person, $60,000 per accident, and $25,000 for property damage. An underinsured driver may not have enough coverage if your medical bills and lost wages exceed those limits. Their policy cannot fully restore your losses.
Your personal coverage matters. Under Texas Insurance Code § 1952.101, insurers must offer uninsured and underinsured motorist (UM/UIM) coverage, which pays when the other driver has no insurance or not enough. Unless you rejected it in writing, you likely have this protection. In Brownsville car collision cases involving drivers with no insurance or not enough coverage, our legal team can review insurance policies and identify all available coverage.
Who Pays When the Other Driver Has No Insurance?
If the other motorist cannot pay, you may still have options to recover compensation. Depending on the facts of your crash, you may need to look beyond the at-fault driver to other responsible parties. Potential sources of recovery can include:
- Your own uninsured or underinsured motorist coverage
- The at-fault driver’s personal assets
- A separate insurance policy that covers the vehicle or driver
- Another party whose negligence contributed to the crash, such as an employer
Identifying other sources of compensation requires a thorough investigation, and insurance companies will often make this process difficult. For UM and UIM car wrecks, a Brownsville attorney from our firm can review the details of your case and fight for the compensation you deserve.
Why Your Insurer May Fight You
Insurance companies often resist paying legitimate underinsured motorist claims. Even if you paid for coverage, your insurer may attempt to minimize damages. It may dispute your injuries, question your treatment, or delay your claim.
You do not have to face your insurance company alone. At Javier Villarreal Injury Law Firm, we hold insurers accountable to the coverage you paid for and can prepare to take them to court when they refuse. If you suffered injuries in a car crash resulting from an uninsured or underinsured motorist, our bilingual team in Brownsville can handle every step of the legal process, from investigation to final payout demands. We fight to make it right.
Contact a Brownsville Attorney If You Were in a Car Crash Involving an Uninsured or Underinsured Driver
An uninsured or underinsured driver should not escape responsibility while you cover the cost of their mistake. Our attorneys can fight for you and help you pursue full compensation, even when the insurance company makes that difficult.
Do not let a lack of coverage stop you from seeking damages. For uninsured/underinsured car accidents in Brownsville, Javier Villarreal Injury Law Firm knows how to win, and we can fight for your recovery. We offer free consultations, so call the Law Champ today and win by knockout.
