Wht to do if I was in a car accident where I was rear-ended and the guy who hit me wasn’t covered by insurance?

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Wht to do if I was in a car accident where I was rear-ended and the guy who hit me wasn’t covered by insurance?

I had to pay $1000 deductible. I have bill collectors calling me and my back is always hurting. My brother and boyfriend were in the accident as well and they are suffering the same problems.

Asked on May 22, 2012 under Accident Law, Texas

Answers:

Barry J. Simon / The Law Office of Barry J. Simon

Answered 9 years ago | Contributor

Do you have uninsured motorist coverage and what are the limits? What kind of injuries do you and your passengers have and how much are the medical bills and damage to your vehicle?

B.H.F., Member, Texas State Bar / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

You have a couple of options-- depending on certain variables.  The first is your coverage.  If you had uninsured motorist coverage, you can contact your carrier to let them know of your injuries and request payment for them.  If you only had basic coverage which only covered property damage, this may not be an option.  Get out your policy and review it to see what exactly your coverage is.  A second option is to review your employee benefits packages.  Many people forget what their coverage is because they are so focused on their auto insurance.  If you have accident coverage for any personal injuries, you could file a claim on that policy as well.  A third option is to hire a personal injury attorney and sue the driver of the other vehicle.  Even if you're not sure whether you want to file a personal injury claim, it's worth your effort to gather all of your info (insurance policies, medical bills, accident reports) and go have a basic consultation with a person injury attorney.  It's always good to visit with more than one so that you get a better feel of your options specific to the facts of your case.


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