What Happens if the Other Driver Doesn’t have Insurance in a Car Accident?

What Happens if the Other Driver Doesn’t have Insurance in a Car Accident?

Accidents are bound to happen, but can become suddenly more complicated if one of the person’s involved does not carry insurance. Being involved in a car accident with no insurance can be a costly mistake, and one should be aware of their options if it happens. There is a 1 in 7 chance that an uninsured motorist will be involved in an accident. Even though car insurance is required by the state of Texas, all too often drivers don’t have it when it’s needed.The majority that don't carry insurance cannot afford it in the first place.  

Unfortunately, suing an uninsured driver is generally not a good idea. Suing an uninsured driver will not usually put much money in your pocket or pay for much of your losses. Most uninsured drivers have little or no money or assets to begin with so going after then may prove to be a futile effort and unworthy cause. If you win a judgment against a person with little or no money, you are probably not going to get much money from the judgment because the defendant has nothing with which to pay you.

Luckily, there are certain situations where you may be able to use car insurance to cover the damage that has been done even when the driver doesn’t appear to have valid coverage. First of all, if the driver doesn’t have coverage, you should check and see if the owner and the driver are the same person. Oftentimes individuals have success by going through the owner’s insurance if the driver is uninsured. Additionally, your own insurance coverage may be able to step into the shoes of the responsible driver through Uninsured Motorist Coverage. Uninsured Motorist Coverage (UIM) isn’t required in the state of Texas, but can be extremely beneficial if you believe the responsible driver does not have insurance coverage. By making a claim with your UIM coverage, your insurance then has the burden to show that the driver was insured. This leaves you with 2 positive outcomes: 1) your insurance company finds the driver’s insurance coverage; or 2) your insurance company agrees that the driver failed to have valid car insurance coverage, and allows you to claim for damages through your UIM policy. If you have any questions about insurance coverage after being involved in a wreck, please call a personal injury attorney at Zinda Law Group immediately in order for an experienced lawyer to answer your questions and provide a free consultation.

Girl Left Blind After Air Bag Deployment


Kelly Green was eagerly anticipating her 16th birthday when she lost her vision in a tragic car accident. According to the Daily Mail, the teen was riding with her father in the car when the vehicle hit a pothole and collided with the center barrier. The car then flipped over onto its roof and the airbag deployed. The driver and the passenger airbags both inflated, and Kelly’s father walked away from the accident with only cuts and bruises. Unfortunately, Kelly was not as lucky. The airbag in her family’s BMW hit her in the face, damaging her vision.

She had to be cut from the wreckage and was rushed to the hospital for a surgery. Kelly has had five operations since the accident, but doctors say that she will be permanently blind in her right eye. She has only a slim chance of ever seeing out of her left eye in the future. She is currently learning Braille and figuring out how to touch type as she adjusts to life without sight. Kelly will undergo more surgeries for her eyes, but chances are that she will always remain in the darkness. Her friends and family are trying to raise funds to give Kelly the special equipment that may be able to improve her vision. Kelly’s mother says that her daughter’s positive attitude has been the motor that has kept the family going.

She has still remained her upbeat self and the blindness hasn’t affected her personality. The impact pushed Kelly’s right eye out of socket, causing her face to appear unsightly. Yet she is happy to be alive. Kelly says that she is more concerned about social isolation then not being able to see. If you or a loved one has experienced vision problems because of an airbag contact a personal injury attorney today to get information about how you can litigate.

Crews Spend Four Hours Cleaning Up Site of Multi-Vehicle Crash

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In Elm Mott, Texas, a multi-car accident took place on Interstate 35 during Tuesday morning hours. As a result of the three-vehicle crash, the Interstate was blocked for four hours, only to be reopened at 6:00 a.m. News sources say that approximately 1:40 a.m., two vehicles crashed into one another while traveling across the Elm Mott bridge. As workers were on the scene clearing up the wreckage, a semi jack-knifed at the same location as the rig's driver tried to avoid the site of the first accident.

As a result of the collisions, a Department of Public Safety (DPS) officer told reported that traffic at mile marker 343 had to be detoured onto a service road so crews could clean up the scene. The officer also said that one of the drivers was taken to a hospital in Waco for medical treatment even though his injuries did not appear to be serious. Firefighters and DPS troopers were able to reopen the road after four hours of intense cleanup work. Were you involved in a major auto accident? Did you sustain injuries and/or property damage? Contact Zinda Law Group now to learn what legal options you have after your case is evaluated by a Dallas personal injury attorney from our firm.

Vehicle Hit After Pulling Over to the Side of Road

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Tragedy struck in Dallas, Texas last week when two little girls were killed in a car accident. Several more were injured when a vehicle struck another one that had run out of gas on a busy highway. According to the police report, a vehicle carrying seven people pulled off to the side of the road after running out of fuel. A phone call was made to a relative who was on his way to deliver some gas. While the people were waiting, an SUV struck the vehicle from behind.

News sources say that the two victims died on the scene - 4-year-old T.B. and 2-year-old N.B. Five people from the stranded vehicle were brought to area hospitals with minor to serious injuries. At this time, it is uncertain why the SUV struck the smaller car. No charges have been brought against the driver of the SUV. However, an investigation is ongoing by local law enforcement. Were you injured during a car accident that caused you to suffer physically, emotionally, and financially? If so, contact Zinda Law Group now to enlist the help of a Dallas personal injury attorney from our office.

Accident Where Officer was Driving at High Speeds

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The actions of one police officer in Dallas, Texas have many people questioning the conduct of law enforcement in general. A video shows the officer losing control of his vehicle in a residential area while driving at extremely high speeds. Although police in Dallas are keeping relatively mum about the auto accident, a leaked video reveals part of what happened the night of the crash. It clearly shows the police officer losing control of his vehicle, speeding and crashing into a tree. He is believed to have been driving as fast as 100 mph when the accident took place.

The officer was supposedly on his way to assist another police officer who was in need of a backup unit. However, those in the community are questioning whether it was necessary and safe for the officer to be driving so fast in the neighborhood as such high speeds can lead to fatal car accidents. Were you involved in an auto accident with a driver who was speeding or acting in a reckless manner? If so, you may wish to contact Zinda Law Group so you can have your case evaluated by an experienced Dallas personal injury lawyer that is committed to protecting your best interests.

Naked Male Crashes Car


An unnamed Fort Worth resident crashed his Mercedes into a lightpole after getting naked in a church parking lot, and throwing several $20 bills on the ground, according to the Fort Worth Star-Telegram.

According to witness Bryan Wagner, the man "ran around his car a couple of times, at which time he got back into his vehicle, sped off and had an accident." According to Wagner, the individual proceeded through a red light before he was struck by another vehicle. He exited the vehicle and proceeded to walk several blocks up the street. Meanwhile, his car was still in gear and rolled into the light pole.

Police arrived shortly thereafter, and took the man to John Peter Smith for a mental evaluation. If you or a loved one has been involved in a motor vehicle crash, please call the experienced lawyers at Zinda Law Group who can aggressively and compassionately pursue your legal rights.

Drivers Using Marijuana are more Likely to Cause an Accident


The recent results of one study show that smoking marijuana and driving can be just as deadly as drinking alcohol and driving. The study was conducted by researchers at Dalhousie University in Nova Scotia, Canada. Researchers found that drivers who had been under the influence of marijuana while operating a motor vehicle were twice as likely to cause a car accident. This data was pulled from police reports of drivers who had been injured during car accidents. Reports were comprised of all types of moving vehicles including trucks, cars, motorcycles, and snowmobiles.

While the study is recent, it is not the first to show a correlation between smoking marijuana and auto accidents. Several previous studies show that being under the influence of marijuana can lead to auto accidents and that smoking marijuana even a few hours before getting behind the wheel may result in a serious crash. Were you injured by a driver who was under the influence of drugs or alcohol? If so, you'll want to speak with a Dallas personal injury attorney from our team about the circumstances of your car accident. Contact Zinda Law Group now to arrange your initial consultation.

Investigation in Car Accident Involving Police Officer


A police officer is under investigation after he struck and killed a pedestrian last week in Dallas, Texas. It is uncertain as to whether the pedestrian is at fault or whether the officer was speeding at this time. According to the police report, the victim, 43-year-old B.K., stepped out into the path of the police cruiser. An ambulance had just driven by her with its lights and sirens blaring, which may be a factor in the car accident. However, the department is now trying to determine just how fast Officer B.C. was traveling when the collision occurred.

Even though the police officer was responding to the same call as the ambulance, he did not have his lights or siren going. The department has already issued a statement that this is in accordance with a Code 3 response. Many in the community are wondering just why this type of policy is in effect in the police department, especially after a similar accident took the life of a 10-year-old boy several years ago. If you were injured during a car accident and have questions about your legal options, take the time to contact a Dallas car accident attorney from our law office. With help from a Dallas personal injury lawyer, you may be able to file a lawsuit to seek damages for your injuries, medical expenses, and more.

What is UIM coverage?


Potential clients and clients alike often what Uninsured/Underinsured Motorist Coverage is, and when it applies. Although there's no easy answer, here are answers to common questions regarding UIM coverage:

1. What is UIM Coverage?

ANSWER: UIM coverage is automatic in the state of Texas. In fact, the only way that you do not have UIM coverage is if you specifically rejected it by signing off on UIM coverage in writing. With that said, UIM coverage protects you and your family in the event that an at-fault driver that causes a collision is either uninsured, or does not have enough coverage to make everyone whole for their injuries.

2. When does UIM Coverage Apply?

ANSWER: UIM coverage applies in several different situations. Firstly, UIM coverage may in situations in which the driver that caused the collision doesn't have insurance. In that case, you would go through your insurance just as you would have gone through the opposing party's insurance. Secondly, UIM coverage may apply if the amount of the third-party's insurance isn't enough to cover your injuries. In that instance, you would attempt to recover the maximum amount allowable under the opposing party's insurance, and then go through your insurance for the rest. You insurance is allowed to take into account what you've been paid by the third party, and what you may have been paid in PIP funds in evaluating your claim.

3. What if I want to know more?

ANSWER: If you or a loved one has been involved in a car accident, truck accident, motorcycle accident, or bicycle accident and has any questions, please call an experienced Plano personal injury lawyer that will aggressively and compassionately fight for your legal rights.

City Council Considering New Bicycle Ordinance


After seeing an increase in car crashes involving bicycles over the past several years, the Plano Bicycle Association is trying to find new ways to decrease those numbers in the future.

According to the Plano Star Courier, a new ordinance is being considered by the city council that would help spread awareness of the growing problems involving bicycle and motor vehicle crashes.

The ordinance would put into place new guidelines regarding the passing of bicycles on the roadway. For instance, the ordinance, if passed, would require vehicles on a two-laned (or more) road to switch lanes in order to pass the bicycle. Additionally, the ordinance would attempt to prevent situations where vehicles would pass a bicyclist and then quickly slow down in an attempt to turn right, often times crashing into the bicyclist.

If you or a loved one has been injured or killed in a bicycle accident, motorcycle accident, car accident or truck accident, please call an experienced Plano personal injury attorney that will aggressively fight for your legal rights.