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What happens if the responsible driver cannot pay?

After a serious motor vehicle accident, victims will require compensation in order to stay afloat financially.

Particularly after a severe accident, a victim’s out-of-pocket expenses can be hundreds of thousands if not millions of dollars. Health insurance may not pay for many of these expenses.

Also, the victim may need some way of covering lost wages after a motor vehicle accident. It is also only fair that the victim receives compensation for so-called non-economic losses, such as their pain and suffering and emotional harm.

In a perfect world, the negligent driver responsible for these losses will pay for them. Usually, that involves working with the driver’s insurance company, although in some cases, it may be necessary to sell some of the driver’s personal property as well.

Unfortunately, many times, a Texas driver will simply not be able to pay for the damages they cause.

Too many drivers ignore Texas’s laws requiring them to carry automobile liability insurance. Sometimes, a driver might manage to avoid responsibility by leaving the scene of a serious accident.

In many other cases, drivers may be carrying some insurance, but it is not nearly enough to pay the victim for their losses, and they have no other means of paying.

A Houston victim in this sort of situation should not think that their chances of getting compensation are hopeless. There may be other legal options available to them.

Uninsured motorist coverage may help a victim recover

One option is for a victim to look for other people or businesses who are responsible for their accident. However, this is not an option in every situation.

A victim should also review their own insurance policy. If they purchased uninsured motorist coverage, then they might be able to file a claim with their own insurance company to recover some of the compensation that the responsible driver cannot pay.

For several reasons, victims may want help with filing and pursuing these claims.