You can suffer life-altering injuries in a car crash caused by a drunk driver. The injustice can be even worse if you discover that he did not have any automobile liability insurance as required under Texas law. While it may seem that you do not have any means to obtain the compensation you deserve for your injuries, this is not necessarily true. Here, we discuss how to pursue a claim when the driver has no insurance.
Avenues of Compensation When the Drunk Driver Has No Insurance
You will need the assistance of an experienced drunk driving attorney to help you identify potential sources of compensation and to negotiate your settlements. Here are possible avenues of compensation to look into:
Uninsured motorist coverage.
If you purchased uninsured motorist coverage under your automobile insurance policy, you can file a claim with your own insurance company. However, you may have to fight to obtain the compensation you are entitled to so it is best to let your attorney negotiate your settlement for you.
The drunk driver who caused your injuries is still liable for compensating you whether or not he had automobile insurance. You can file a lawsuit to obtain a judgment against him. However, most people do not have sufficient money or other assets to pay the amount owed, so you may be receiving small payments over a long period of time or be unable to collect what you are owed.
Business or social host.
If a business, such as a bar or restaurant, continued to allow the drunk driver to consume alcohol and then get behind the wheel, the establishment could face liability under Texas’ Dram Shop law. A social host serving alcohol to a minor under 18 years old who caused a drunk driving wreck can also be held accountable.
Texas Crime Victims’ Compensation Fund.
You may be able to file a claim under Texas Crime Victims’ Compensation Fund if the other sources of compensation do not fully pay you what you are owed. However, there is a cap of $50,000 on most claims, and you are only entitled to compensation for your medical bills, lost wages, and other similar expenses.
Were you injured in a drunk driving accident? The experienced drunk driving attorneys at the Hart Law Firm are here to help you pursue your claims against all potentially liable parties. Contact us online or call us directly at 817.380.4888 to schedule your free consultation. We help injured victims throughout Texas including Arlington, North Richland, Grapevine, Bedford, Hurst, Euless, Irving and all points in between.