4 April 2025 - Posted by Monsour Law Firm
Being involved in a car accident without auto insurance can leave you wondering, what happens if you have no insurance but the other driver was at fault? In Texas, the at-fault driver is usually responsible for covering damages. However, not having insurance can make it harder to recover compensation and may result in penalties, even if you didn’t cause the crash. At Monsour Law Firm, we help accident victims understand their rights and fight for the compensation they deserve.
If you’re at fault in a car accident and don’t have insurance, you will likely be held personally responsible for the damages. Texas operates under a fault-based insurance system, meaning the at-fault driver is liable for covering property damage and injuries caused by the accident. Without insurance, you could face the following consequences:
Texas law mandates that all drivers carry liability insurance for bodily injury and property damage. If you’re uninsured and found at fault, consulting an attorney can help you explore ways to minimize financial and legal consequences.
If the driver who caused the accident does not have insurance, you may still have options for recovering damages. In Texas, uninsured motorist (UM) coverage can help pay for medical bills and repairs. If you have UM coverage, your insurance company may step in to cover losses when the at-fault driver is uninsured.
Other potential avenues for compensation include:
Personal Injury Protection, or PIP, is an add-on insurance coverage that helps cover medical expenses and lost wages after an accident, no matter who was at fault. It’s a reliable safety net for ensuring you can manage costs immediately after an accident without waiting for a fault to be determined.
If the uninsured driver involved in the accident has personal assets, you can file a lawsuit against them to recover damages. This can include compensation for medical bills, property damage, or pain and suffering. However, this approach may fail if the driver lacks substantial assets.
For victims of serious injuries caused by negligence, the Texas Crime Victims’ Compensation Fund offers financial support. This fund can help cover medical expenses, counseling, and other costs resulting from the accident, providing crucial aid in times of need.
Our legal team can assess your case and determine the best action for pursuing compensation if you are unsure of your options.
Texas operates under a fault-based system, requiring all drivers to carry minimum liability auto insurance to cover damages in accidents they cause. According to the Texas Department of Insurance, drivers must meet the state’s minimum coverage requirements, commonly referred to as 30/60/25—$30,000 for injuries per person, $60,000 for injuries per accident, and $25,000 for property damage.
Uninsured drivers in Texas may face serious consequences, including:
While Texas does not have a “No Pay, No Play” rule like some states, uninsured drivers may still struggle to recover damages in an accident, particularly non-economic damages like pain and suffering. Ensuring proper insurance coverage is essential to avoid legal and financial risks and comply with Texas regulations.
Texas law mandates that all drivers carry a minimum amount of liability insurance to operate a vehicle legally. Driving without insurance is a violation of the Texas Transportation Code Section 601.051, which can result in severe penalties, including:
Drivers caught without insurance may also face increased future insurance premiums, making it more expensive to obtain coverage.
Being in a car accident without insurance—whether you’re at fault or not—can be stressful. At Monsour Law Firm, we’re here to help. Handling insurance disputes and liability claims in Texas isn’t easy, but our team is committed to protecting your rights and getting you the compensation you deserve.
Wondering what happens if you have no insurance but the other driver is at fault? Contact us today at (903) 777-7777 for a free consultation.
Douglas C. Monsour, or Doug Monsour, is a trial lawyer who handles important and significant injury cases in Texas and across the nation. He is one of a handful of trial lawyers who have successfully tried multiple pharmaceutical, medical device, and mass tort product liability cases as the lead lawyer. He also vigorously represents injured oil field workers, victims of 18-wheeler wrecks, industrial accident victims, and those that have been severely burned.
This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by Founding Partner, Doug Monsour who has more than 20 years of legal experience as a personal injury attorney.
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