While motorists are required to carry car insurance in Texas, the stark truth is that many don’t carry it at all or don’t carry the required amount. If you suffered an injury due to the negligence of a motorist who is uninsured, it leaves you in a bad spot, but all hope is not lost. In fact, it is very likely that you carry uninsured motorist coverage and personal injury protection – both of which will come into play post-accident. If you’ve suffered an injury due to another driver’s negligence, seek the skilled legal guidance of an experienced Plano TX car accident attorney today.


While you can file a lawsuit directly against an uninsured driver, it is unlikely to get you very far. A motorist who doesn’t carry insurance that is legally required generally can’t afford it, which means they probably don’t have any resources for you to go after. If the at-fault driver does, however, have assets, your insurance company can pursue reimbursement for the compensation they paid on your behalf.


The fact is that when you purchased car insurance, you were offered uninsured motorist insurance, which is required by law in Texas, and the only way to deny the coverage is in writing. In other words, you are very likely to carry uninsured motorist (UM) insurance, which covers all the following – up to the policy limit:

  • Your current and ongoing medical expenses
  • Your lost income, including any lost earning capacity
  • Your physical and emotional pain and suffering

Under certain circumstances, these policies can also be stacked to provide more thorough coverage. Stacking refers to combining coverage from different car insurance policies that you own.


When you purchased car insurance, you were also offered personal injury protection (PIP), and in order to have denied it, you would have needed to do so in writing. This means that you probably also carry PIP, which is less comprehensive than UM insurance but will cover a specific percentage of your medical expenses and lost income.


While your car insurance provider isn’t required to offer Med-Pay, it’s available for those who request it, and it can help in the event you’re injured by another driver’s negligence. Med-Pay helps cover medical expenses for the first year following the accident, and if you carry this coverage, it will contribute to your compensation.


The formidable Plano car accident attorneys at The Law Office of Joel M. Vecchio, P.C. appreciate how stressful it is to be injured by a motorist who isn’t insured. We are committed to harnessing the full force of our impressive experience in pursuit of the compensation to which you’re entitled. Your case is important to your future, so please don’t put off reaching out and contacting us online or calling 972-380-4444 for more information about what we can do to help you today.

Call a Car Accident Attorney Today

Call us on (972) 380-4444 posthaste if you got into a car accident.

Content author: Joel M. Vecchio, Attorney at Law


  • Texas State Bar license number 24033410, since 2001.
  • U.S. District Court, Northern District of Texas, admitted in 2003.
  • University of Tulsa College of Law, Juris Doctor – 2001.

Content reviewed by Abraham C. Bloomenstiel, Attorney at Law, Texas Bar Card Number: 24106962

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