Being involved in a car accident is stressful—but it can feel downright overwhelming when you find out the other driver doesn’t have insurance. While Texas requires drivers to carry liability coverage, uninsured motorists are still on the road every day. When that happens, getting compensation for injuries, missed work, and vehicle damage can be more complicated, but there are still real options.

 

At The Arnsworth Law Firm (also known as Arnsworth Law Firm / Arnsworth Law), we regularly help people sort through these situations. If you’re dealing with medical bills, time off work, or insurance pushback, talking with a Houston car accident lawyer, Houston car accident attorney, or Houston personal injury attorney can help you get clarity quickly.

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Start by protecting your safety and documenting the scene

What you do right after a crash can make a big difference later.

1. Check for injuries and call 911.
   If anyone is hurt—or if you’re not sure—call emergency services. Even if the wreck seems minor, it’s smart to involve law enforcement so there’s an official report.

2. Take photos and collect details.
   Get the other driver’s contact information, license plate, and vehicle details. Then photograph:

• Damage to both vehicles

• The intersection or roadway

• Skid marks, debris, traffic signals, and weather conditions

These details matter for an auto accident claim Houston drivers may need—especially if the other driver is uninsured or later changes their story.

3. Notify your insurance company ASAP.
   Report the crash and provide what you gathered. Texas is generally an at-fault system, so proving who caused the crash often becomes the center of the claim—especially in disputes like who is liable in a multi car accident in Texas.

If you’re unsure about the next step, this is also a good time to speak with an auto accident attorney Houston residents trust.

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How your insurance may help if the other driver is uninsured

If the uninsured driver caused the crash, your own policy may still provide coverage depending on what you carry.

Uninsured / Underinsured Motorist (UM/UIM)

UM coverage is designed for exactly this situation. It can help with:

• Medical bills

• Lost wages

• Pain and suffering

• Sometimes property damage, depending on your policy

Collision coverage

Collision can help repair your vehicle regardless of fault (minus your deductible).

Personal Injury Protection (PIP)

In Texas, many drivers have PIP unless they rejected it in writing. PIP may help cover medical expenses and certain related costs for you and passengers, regardless of fault.

If you’re getting confusing answers from an adjuster or feel pressured to settle fast, a Houston car accident lawyer or car crash attorney Houston can help you understand what your policy should cover and how to push back when it’s not handled fairly.

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Can you sue an uninsured driver in Texas?

Sometimes, yes. Legal action may be an option to recover money for:

• Medical treatment

• Vehicle repairs

• Lost income

• Pain and suffering

That said, lawsuits against uninsured drivers can be tricky—because even if you win, collecting money may be difficult if the driver has limited assets. A Houston personal injury lawyer can help you weigh whether a lawsuit makes sense and identify other potential sources of recovery.

If you’re searching for guidance from a Texas personal injury attorney or a car wreck lawyer Texas drivers turn to after serious crashes, a case review can help you understand what’s realistic.

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What if it’s a hit-and-run?

A hit-and-run is often treated similarly to an uninsured motorist claim because the at-fault driver can’t be identified or located.

If this happens:

• Call the police immediately and file a report

• Give your insurer the report number (most carriers require this)

• Share every detail you remember: make/model, color, partial plate, direction of travel, etc.

In many cases, uninsured motorist coverage applies. A motor vehicle accident lawyer Houston victims work with can also help if the insurance company delays, disputes injuries, or argues about fault.

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Getting support after an uninsured-driver crash in Houston

These cases are frustrating because you’re doing everything right—yet you’re stuck dealing with the consequences of someone else’s choices. If you’re injured, missing work, or your claim is being undervalued, it may help to talk with a Houston personal injury attorney near me who handles uninsured-driver crashes and knows how to build a strong claim from the start.

At The Arnsworth Law Firm, we help clients across Houston—including areas like The Heights, Montrose, Spring Branch, Clear Lake, Galleria, Westchase, and surrounding communities—understand their options after a crash and move forward with a plan.

 

If you’d like to contact Arnsworth Law Firm or you’re checking Arnsworth Law Firm reviews while deciding who to call, we’re here when you’re ready.

This blog is for general information and is not legal advice. For advice about your situation, speak with an attorney.