你去过在车祸中受伤，您需要与其他驱动程序交换保险信息。但是当其他司机没有汽车保险时会发生什么？
你可能想知道它是否值得你苏的时间无保险或欠下的司机。虽然每种情况都不同，但您应该与休斯顿车祸律师合作克里斯特律师事务所，P.C.评估所有法律选择。称呼（281）283-8500免费，无风险咨询。
继续阅读以了解德克萨斯州汽车保险要求，策略附加组件可以帮助，与未受保险的司机发生事故后该怎么办。
德克萨斯州汽车保险要求
根据德克萨斯州法律，司机必须携带某些类型和金额的汽车保险范围：
- 每人30,000美元的身体伤害责任覆盖范围
- $60,000 per accident in bodily injury liability coverage
- 房地产损失责任覆盖率每次意外25,000美元
Auto insurance only covers medical expenses and the costs of repairing or replacing your vehicle. Other losses may need to be recovered in a car accident lawsuit.
策略附加组件要考虑
当您购买汽车保险单时，您可能希望添加到您的策略中有几种类型的覆盖范围。
For example, adding comprehensive insurance can help protect you if your car is damaged by a natural disaster or stolen. Adding gap insurance can protect you if your car is totaled, but you finance your vehicle.
最重要的是，您可以选择添加或uninsured motoristbodily injury and property damage liability coverage. This will help cover your losses if a driver hits you without insurance.
与未保险的司机发生事故后您的选择
在您参与与未受保险的司机碰撞之后，您的案例可能需要几个路径。每个人都将取决于您的意外情况。让我们仔细看看所有这些
File a Claim With Your Own Insurance Company
Did you opt into carrying uninsured motorist liability coverage on your auto insurance policy? If so, you could file a claim with your auto insurer to recover compensation for your suffering.
国家法律不要求您携带此覆盖范围。但如果您被没有保险，金钱或资产的司机击中，它可以在保护您的情况下进行很长的路要走。
File a Claim With the At-Fault Party’s Insurer
德州是一个故障状态for car accidents and insurance purposes. This means you would typically file a claim with the有过错车祸后司机的保险公司。但是，如果司机没有保险，你将无法提出索赔。
但有些司机保额不足。这意味着他们have an auto insurance policy, and you can file a claim with their insurer. But their insurance policy may be insufficient to cover all the damage involved or address the various financial losses you experienced. This happens a lot with serious accidents involving significant medical bills or time away from work.
对责任党提出民事诉讼
When a driver is under or uninsured, there is no way around it. You will probably have to file a civil claim against them unless they are willing to pay you out of their pocket outside of court. But that is unlikely.
If you decide to go to court, you may be able to get a judgment against them. This would require them to compensate you for the ways your life has been affected by the accident.
何时起诉不保险的司机
如果司机没有保险，你可能会认为他们没有钱买汽车保险。但是，必须记住，在故障方面的情况是无关紧要的。
Your injuries are what matter. You should not bear the financial responsibility of their actions.
Filing a civil claim may be the best way to obtain the你应得的补偿。The at-fault party may have other ways of repaying you. They could sell assets, tap into savings, or even borrow it as long as you are fairly compensated and justice is served.
您的车祸律师将审查您的案件的具体细节。有时向击中您的司机提出索赔，符合您的最佳利益。其他时间，您可以通过向自己的无保险或不保险的政策提出索赔来恢复您所需的内容。
今天与休斯顿的车祸律师说话
Dealing with an at-fault driver who doesn’t have any or enough insurance is frustrating. But you have options to consider. The experienced Houston car accident lawyers at The Krist Law Firm, P.C. have been几十年来协助受伤受害者。让我们审查您的情况并解释恢复所需补偿的最佳方法。
我们的公司在休斯顿地区提供免费，无义务磋商。打电话给我们（281）283-8500或填写我们的联系表开始。