If you’ve been hurt in a car crash in Brownsville or other cities here in South Texas, it’s already a stressful situation. (Here is current vehicle traffic in Brownsville). But if you are not reaching out for help because you don’t have car insurance, stop it.

You may feel embarrassed or believe you haven’t a right to compensation but that is incorrect. An uninsured person can still reach out for legal assistance to cover the costs after a car accident in the RGV.

Honestly, if you are reading this and haven’t been in a car crash, but don’t have car insurance, go and get it now. Receiving full and fair compensation for your injuries is much easier when you follow the rules. Texas has strict ‘no pay, no play laws’ which will curb the amount of a claim an uninsured driver can put in. All drivers in Texas are required to carry a certain amount of insurance. Yes, you can be covered for medical bills and car damage, but it will be limited. Forbes provides a guide for car accidents with no insurance. 

And if you still want to take your chances, consider what will happen if you get in a car crash without insurance:

• Fines and filing fees are yours to cover and they can go up to a thousand dollars if you are a repeat offender. 
• Possible driver’s license suspension or even get it revoked.
• You are financially liable for your damages and those of others.
• There could be jail time and/or community service.
• You might get your car impounded, losing your mode of personal transportation until you pay to get it back. 

There is one piece of good news about what also happens if you crash and don’t have car insurance. Texas is an ‘at-fault’ state meaning whoever is at fault must compensate the other drivers. So, you can file a claim with the other driver’s car insurance and receive compensation even if you are uninsured. 

Let Us File that Claim and Help You Get Compensation Without Being Insured

As we’ve stated, Texas locals who don’t have car insurance can still file a claim with the other driver’s insurance company. And if the other driver is ‘at fault’ then that’s another thing in your favor. But, you could still receive hefty fines for being uninsured. If we can help lower those fines, we will, but our primary focus will be settling with the insurance adjustor so you can receive some financial relief from the accident. 

Don’t try to speak to the insurance adjustor on your own. They tend to use whatever strategies they can to limit your compensation. And if you don’t have car insurance, they might try to shame you into believing you don’t deserve full compensation! 

Negotiating the damage can get tricky but our legal team is used to it. We know the insurance company will try to determine you are mostly at fault when it might not be true. We also know documentation like police reports can prove you are innocent, or at least partially liable instead of completely. And when the insurance settlement is done, it’s done. They can’t come back to you later. 

If you are concerned What happens if you crash and don’t have car insurance don’t be. Get prepared now and contact us when you need to.