Hit by an Uninsured Driver in Texas: What Now?
Short answer: If the other driver has no insurance, or drives off, your own uninsured/underinsured motorist (UM/UIM) coverage and PIP may pay, unless you rejected them in writing.
If the driver who hit you in Fort Worth had no insurance, or not enough, your own UM/UIM coverage may pay.
How UM/UIM coverage works in Texas
Texas insurers must offer UM/UIM coverage, and you can only turn it down in writing (Tex. Ins. Code §1952.101). It pays when the at-fault driver has no insurance or not enough.
What if my bills are more than their $30,000 limit?
Texas only requires $30,000 per injured person (§601.072). If your costs are higher, your UIM coverage may pay the difference. A lawyer can find every policy that applies.
What to do after a hit-and-run
Call 911, and report it to police right away. Your PIP and UM coverage may apply. Back to all insurance guides.
Want a lawyer to look at your case for free?
If you were hurt in a crash that wasn't your fault, in Fort Worth or anywhere else in Texas, you can ask for a free consultation. A participating personal injury law firm will reach out to you promptly. There's no cost to ask and no obligation.