It happens more than you think. As a matter of fact, 20% of Texas motorists have no insurance, according to the Texas Department of Transportation.
It happens more than you think. As a matter of fact, 20% of Texas motorists have no insurance, according to the Texas Department of Transportation. Texas law requires every driver to carry insurance when operating a motor vehicle. But, waving a magic wand and requiring everyone to do so by law doesn’t mean that everyone will follow through. So, what happens when you get hurt in a car wreck and the other driver doesn’t have insurance? There’s a few possibilities.
You may feel some desire for revenge. You want that other driver to experience some pain and suffering so they understand the consequences of their actions.
Depending on the extent of your injuries and the value of their assets, it may be worth your time to file a personal injury lawsuit and go after their personal assets.
What if they don’t have any personal assets to go after?
Your insurance company can use subrogation law to recover any financial damages they pay you. That means they can go after the personal financial assets of the other driver.
Plus, as you can guess, Texas’ law isn’t too sympathetic when someone else isn’t carrying car insurance as legally required.
So take it easy. Don’t worry about punishing the other driver. Consequences will happen.
In Texas, if you have any car insurance at all, you have at least $2500 of personal injury protection insurance. You may have even more if you opted to purchase it.
Texas law requires all auto insurance policies to offer at least $2500 in PIP.
PIP can be used to cover all reasonable medical costs, ambulance services, physical rehab, funeral services, lost income, and replacement of household services provided by the injured party (for example, caring for your family).
And PIP extends to all injured parties in the motor vehicle collision. So if you and your spouse both get injured, and you have $2500 in PIP, you can each recover $2500 for a total of $5000.
But, honestly $2500 isn’t a lot of money. What if your injuries and damages run more than $2500?
Texas law does not require you to carry uninsured or underinsured motorist coverage. However, law does require auto insurers to offer this coverage to you.
If all other options for recovering financial damages from the other drive have been exhausted, then you can go to your uninsured/underinsured motorist coverage.
It’s actually not expensive to carry at all. It usually costs less than half of your standard liability insurance.
You’re wise to carry it, and especially so if you have substantial assets to protect.
Thankfully, you have options if the other driver doesn’t have car insurance like Texas law requires. And if you don’t have underinsured/uninsured motorist coverage, or if you haven’t reviewed it in a while, maybe now’s the time to give it another look.
In the last 3 years, we’ve made TopVerdict’s annual Texas “Top 50 Personal Injury Settlements” list 43 times.
According to TopVerdict.com, our Dallas attorneys consistently achieve some of the highest recoveries in the state of Texas. As a matter of fact, in the last three years we’ve made their “Texas Top 50 Personal Injury Settlements” list 43 times. For example, in 2021 one of our claims made the Top 10 list, eight made the Top 11-20 list, and ten made the Top 21-50 list. When you factor in our reduced 29% contingency fee, we are confident we will help you recover more. At Mullen & Mullen, we pride ourselves on routinely recovering full policy limits for our clients without the necessity of costly and time-consuming litigation.
We have access to state-of-the-art diagnostic technology through well-established relationships with medical doctors, surgeons, physical therapists, chiropractors, neurologists, counselors, and other healthcare providers in the entire DFW Metroplex. You receive the quality medical attention you need from local providers near where you live or work. These providers specialize in treating people hurt in accidents of all kinds and they know how to properly document injuries to meet the legal burden of proof in your personal injury case. These providers are also willing to delay billing collections until after your case is resolved so you can focus on recovering without additional stress. Physicians that don’t routinely treat accident victims as part of their practice usually turn away patients over fear of being involved in the legal process or fear of health insurance companies refusing to pay accident-related healthcare bills. Please call us at 214-747-5240 for a free consultation and some advice.
Even if you don’t have health insurance or can’t afford your deductible, Mullen & Mullen will secure you the quality healthcare and state-of-the art diagnostics you deserve with no upfront out of pocket costs.
Shane, Joseph and Regis have almost 100 years of combined experience practicing personal injury law. That doesn’t even include the combined experience of the attorneys that serve as of-counsel to Mullen & Mullen at no additional cost to our clients. Our firm continues to evolve, but we never forget our Core Values. We do the right thing, handle cases the way we would want our own case handled, and we truly listen to clients. We have over 40 years of local knowledge, and that matters!
Some lawyers forget that they represent the client, but we never have. Our legal team will make YOU the priority. You are the boss, and we will respond quickly to your requests for case updates and assistance. We guarantee that when you need to speak to your counsel, you will speak directly to your counsel, not to a paralegal or secretary, because that’s the way it should be.
Most firms hire an investigator to help develop evidence on your case and charge you back for that service. Our firm, however, has 2 full-time accident investigators on staff and we offer their services to you for free. This is another way we will maximize your compensation.
They say a picture is worth a thousand words. Video footage is worth a lot more. Our in-house videographer allows us to capture the true impact the accident has on your life beyond mere words on a piece of paper.
When necessary, Mullen & Mullen Law Firm uses cutting edge technology like 3D imaging videos to fully demonstrate the extent of our clients’ injuries to the insurance companies. This also helps maximize the value of your claim.
Mullen & Mullen’s attorneys live and work right here in Dallas, and always have. We believe in paying our success forward by helping people in the North Texas community, and are dedicated to supporting these local charities.
Our success rate speaks for itself. We consistently earn awards from TopVerdict.com for achieving the highest settlement amounts in Texas. In fact, no other law office made their 2021 Texas "Top 50" personal injury settlements list as many times as we did. We placed on it nineteen times in a single year.
You'll always be kept in the loop regarding the status of your case. Calls are answered promptly, and you can even text your dedicated legal team directly 24/7.
We'll make you feel like part of the family, not just another case. Our compassionate lawyers will take the time to listen to your story, comprehensively understand your unique circumstances, and we will tailor our legal strategies accordingly. Your best interests are at the forefront of everything we do.
Mullen & Mullen has been a mainstay in the North Texas community since 1983. Our attorneys are always willing to meet with injury victims face-to-face. You won’t be dealing with some call center hundreds of miles away or on the other side of the country (or world).
We won’t back down or be intimidated in any form or fashion. We will not allow insurance carriers to delay, deny, or minimize your claim. We never hesitate to recommend litigation if it is necessary to achieve a just outcome.
When you work with a big law firm, you'll most likely be assigned a case worker and may never even talk to your attorney. Our attorneys make themselves available and invest in your case personally.
Of course we only get paid when you do. And when we do, we discount our legal fees to 29% instead of the industry standard 33.3% for claims that settle without litigation.
It's not just the hundreds of 5-star reviews that we've earned, but the things that our clients say. Read our reviews and you'll quickly see that we put passion into our work.
The Mullen & Mullen family is here to address your concerns and make the path to recovery smooth. There are no fees to get started and you pay $0 if we don’t settle your case.
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LICENSED BY THE STATES OF TEXAS & MISSOURI FOR THE GENERAL PRACTICE OF LAW. The information on this website is not intended to be legal advice. That can only come from a qualified personal injury lawyer who is familiar with all the circumstances and facts of your specific case and the law relevant to it.
