CALL 24/7 | SE HABLA ESPAÑOL 361-792-3811
When It Matters Most, Call Alex First.

Uninsured Motorist Coverage: When The Other Driver Doesn’t Have Insurance


After being struck by a negligent driver, you can find yourself in a pretty frustrating situation as you try to make sense of what to do next. However, things can get all the worse if the person who caused your car accident does not have any useful insurance. What are you supposed to do now? Do you have your options, or will all of your recoveries have to come out of your own pocket?


When you purchase a new insurance policy agreement, you might have noticed a part that asked you if you wanted to get full coverage, including uninsured motorist insurance. If you checked ‘yes’ and are paying an increased monthly premium for this coverage, you should be protected from situations just like this. But don’t get too hasty – you might have willingly purchased uninsured motorist insurance from your provider, but are they going to willingly cooperate? Sometimes in cases involving an uninsured motorist, especially if it was a hit-and-run accident, your own insurance carrier becomes your opposition as they try to give you the smallest amount possible.


If you are like most of us, you probably couldn’t pay the increased premiums for uninsured motorist coverage, or decided it was something that would never come in handy. Now that it is certainly useful, you don’t have it, so what do you do instead? You should first call the police and inform them that you have been struck by an uninsured motorist. This is a criminal violation (Transportation Code Chapter 708) that could cost them big fines paid to the state and, more importantly, take away their license for two years.

Secondly, just because someone has no car insurance doesn’t mean they have no liability for payments. You can sue them through a personal injury claim in civil court for your damages, and then some. Citing punitive damages, you may be able to collect a monetary compensation meant to make your life easier while simultaneously punishing them for their wrongdoing.

To retain an experienced and motivated car accident attorney in San Antonio, contact The Law Offices of Alex R. Hernandez, Jr., PLLC today. We’ll be by your side from start to finish, doing all we can along the way to ensure you get the maximum recovery possible. Call 210.529.8411 to schedule your free case evaluation.

The Law Offices of Alex R. Hernandez Jr – Personal Injury Lawyers

Contact Us & Request AFree Consultation

1 Step 1
Phone Number
Tell us about your case
0 /

*all fields required


Locations & Contact

Click to View All Our Locations

Main Office, Corpus Christi:

921 N. Chaparral Suite 100
Corpus Christi, Texas 78401

Phone: 361-792-3811

San Antonio Office:

300 Convent Suite 1330
San Antonio, Texas 78205

Phone: 210-960-9008

Austin Office:

700 Lavaca Suite 1400
Austin, Texas 78701

Phone: 512-640-4009

Edinburg Office:

506 W. University
Edinburg, Texas 78539

Phone: 956-307-4577

Houston Office:

1700 Post Oak Boulevard 2 Blvd Place
Houston, Texas 77056

Phone: 713-660-7018

Laredo Office:

1100 Matamoros Suite 200
Laredo, Texas 78040-7804

Phone: 956-606-4284

Dallas Office:

2911 Turtle Creek Suite 300
Dallas, Texas 75219

Phone: 972-363-6616

El Paso Office:

231 N Kansas, 7th Floor
231 N Kansas, 7th Floor

Phone: 915-777-3310

Connect with Us