If the other driver does not have insurance, you can file a claim with your insurance coverage. All auto policies in Texas include personal injury protection (PIP) coverage, which pays your medical bills, lost income, and other costs if you are involved in a crash, regardless of who is at fault. You should have PIP coverage unless you declined the coverage in writing. Insurance companies must also offer uninsured motorist (UM) and underinsured motorist (UIM) coverage, which is optional. This pays your medical and car repair bills if the other driver is uninsured.

A car accident lawyer can evaluate whether it’s worth pursuing a personal injury lawsuit against an uninsured driver.