Mark Anderson | July 24, 2026 | Car Accidents
If the at-fault driver has no insurance in Texas, you may still have options for compensation. You can file a claim under your own uninsured motorist coverage, use other parts of your auto policy, or pursue the driver personally. The best option depends on your insurance coverage, the facts of the crash, and whether the other driver has assets.
Texas requires drivers to show they can pay for accidents they cause. Most drivers do this by buying liability insurance. The minimum limits are $30,000 for one injured person, $60,000 for all bodily injury claims in one accident, and $25,000 for property damage.
Can You Use Uninsured Motorist Coverage in Texas?
Yes, you may be able to use uninsured motorist coverage if it is part of your policy. This coverage can apply when the at-fault driver has no insurance. It may also apply after a hit-and-run crash if the driver cannot be found.
Texas insurers must offer uninsured and underinsured motorist coverage when you buy auto insurance. If you do not want it, you must reject it in writing.
Uninsured motorist coverage may help pay for medical bills, lost income, pain and suffering, and vehicle damage, depending on your policy. However, your own insurance company may still question your claim. You may need evidence showing the other driver caused the crash and that your losses are covered.
The attorneys at the firm have helped injured Texans recover over $100,000,000, and founding attorney Mark Anderson has more than 30 years of experience. That background can matter when an insurer disputes fault, injuries, or the value of a claim.
What Other Insurance Coverage Could Help?
Other parts of your policy may also help after an uninsured driver crash. Personal injury protection, or PIP, may cover medical bills and some lost wages, no matter who caused the accident. Texas auto policies include PIP unless the policyholder rejects it in writing.
Collision coverage may pay to repair or replace your vehicle, even if the other driver had no insurance. Health insurance may also cover some medical treatment, though deductibles and liens can become issues later.
These claims can overlap. That is why it is important to review your policy and track every bill, payment, and letter you receive.
Can You Sue an Uninsured Driver in Texas?
Yes, you can sue an uninsured driver if they caused your crash. However, a lawsuit may not solve the problem if the driver has no money or assets. A judgment is only helpful if it can be collected.
You also must ensure your lawsuit is filed on time. Most Texas personal injury lawsuits must be filed within two years of the date of the accident or injury. Missing this deadline can prevent you from recovering compensation in court.
What Damages Can You Seek After an Uninsured Driver Accident?
You may be able to seek compensation for the losses caused by the crash.
These damages may include:
- Emergency care
- Hospital bills
- Doctor visits
- Physical therapy
- Lost wages
- Reduced earning ability
- Vehicle repairs
- Pain and suffering
- Emotional distress
The available compensation depends on your injuries, insurance coverage, evidence, and whether the uninsured driver can pay anything personally.
Frequently Asked Questions
Is Driving Without Insurance Illegal in Texas?
Yes. Texas law requires drivers to show financial responsibility for the accidents they cause. Most drivers meet this rule through liability insurance.
What if the Driver Gave Me Fake Insurance Information?
Report it to the police and your insurer. Fake or expired insurance can support an uninsured motorist claim if your policy includes that coverage.
What if I Was a Passenger?
Passengers may have claims through the at-fault driver, the driver of their vehicle, or their own household auto policy. The right option depends on the available coverage.
Contact the Austin Car Accident Lawyers at Anderson Injury Lawyers for Help
A crash with an uninsured driver in Texas can leave you unsure who will pay for your medical care, lost income, and vehicle damage. For more information, contact an experienced Austin car accident lawyer at Anderson Injury Lawyers today to schedule a free consultation.
Contact Our Car Accident Law Firm in Texas
If you’ve been injured in an accident in Fort Worth, Dallas, or Austin and need legal help, contact our personal injury lawyers at Anderson Injury Lawyers to schedule a free consultation. We proudly serve Tarrant County, Dallas County, and throughout Texas.
Anderson Injury Lawyers – Fort Worth Office
1310 W El Paso St, Fort Worth, TX 76102
(817) 294-1900
Find us with our GeoCoordinates: 32.74621197527774, -97.33552733508391
Anderson Injury Lawyers – Fort Worth Office (Secondary)
6618 Fossil Bluff Dr # 108, Fort Worth, TX 76137
(817) 631-4113
Find us with our GeoCoordinates: 32.86241013538118, -97.30973893918065
Anderson Injury Lawyers – Dallas Office
408 W Eighth St Suite 202, Dallas, TX 75208
(214) 327-8000
Find us with our GeoCoordinates: 32.748815542196404, -96.82524302658787
Anderson Injury Lawyers – Austin Office
811 Nueces Street, Austin TX, 78701
(512) 399-5000
Find us with our GeoCoordinates: 30.307794623518102, -97.73755898409242
About the Author
Mark A. Anderson is the founder of Anderson Injury Lawyers and a Board Certified Personal Injury Trial Lawyer—an honor held by only a small percentage of Texas attorneys. He earned his law degree from Baylor University School of Law and has spent more than 20 years helping injury victims across Dallas, Fort Worth and Austin. Mark handles cases involving car accidents, truck accidents, product liability, wrongful death, catastrophic injuries, and more. Click here to view some of the successful case results Mark has achieved for his clients.
Location: Dallas, Fort Worth, and Austin, Texas
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