Injured by an Uninsured Driver in El Paso? You Still Have Options
Car accidents are always stressful — and when the at-fault driver doesn’t have insurance, the situation becomes even more frustrating. Even a seemingly minor crash can leave you with painful injuries, vehicle damage, and growing medical bills. If the other driver was uninsured or underinsured, you might wonder how you’ll recover the compensation you deserve.
At Applebaum Accident Group, our El Paso uninsured motorist accident lawyers help people in your situation every day. We know how confusing these cases can be, and we’re here to guide you through every step of the process so you can focus on healing.
Understanding Uninsured Drivers in Texas
While all Texas drivers are legally required to carry liability insurance, many still don’t follow the law. According to recent estimates, roughly one in eight drivers on the road are uninsured. This means that if you’re hit by one of them, your recovery could depend on your own insurance coverage — unless you take legal action.
What “At-Fault” Means in Texas
Unlike Florida’s “no-fault” system, Texas is an at-fault state. That means the driver responsible for the crash — or their insurance company — is typically liable for your damages. But if that driver has no insurance or not enough coverage, things can get complicated fast.
That’s when uninsured/underinsured motorist (UM/UIM) coverage becomes essential.
How Uninsured Motorist Coverage Works
Uninsured motorist (UM) and underinsured motorist (UIM) coverage are optional add-ons to your car insurance policy, but they provide crucial protection in these situations. If you have UM or UIM coverage, your policy can help pay for:
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Hospital and medical bills
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Physical therapy and rehabilitation
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Mental health treatment related to the crash
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Diagnostic tests such as MRIs and X-rays
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Prescription medications
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Lost income from missed work
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Pain and suffering
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Future medical expenses
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Loss of earning capacity if your injuries impact your career
However, this coverage doesn’t always cover property damage or rental car fees, leaving some victims still struggling financially after an accident.
When Insurance Isn’t Enough
If your insurance doesn’t fully cover your losses, you may still have legal options. An experienced El Paso uninsured motorist accident attorney can help you explore other paths to compensation, such as:
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Filing a personal injury lawsuit against the uninsured driver to recover damages for your injuries, pain and suffering, and financial losses.
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Taking legal action against an employer, if the uninsured driver was working at the time of the crash and driving a company vehicle.
Every case is different, but you don’t have to face the system alone.
How an Attorney Can Help
After an uninsured motorist accident, the right legal team can make all the difference. At Applebaum Accident Group, we handle the hard parts so you can focus on your recovery. Our team can help by:
1. Gathering Evidence
We collect and preserve critical evidence — accident reports, witness statements, photos, and surveillance footage — to strengthen your claim and protect your rights.
2. Calculating Damages
We carefully evaluate your medical bills, lost income, and future needs. Our experience ensures you don’t settle for less than what your case is truly worth.
3. Negotiating with Insurers
Insurance companies often try to minimize payouts, especially in UM/UIM claims. We negotiate directly with them on your behalf and take your case to court if necessary.
Get Help from an El Paso Uninsured Motorist Accident Lawyer
If you were injured by an uninsured or underinsured driver in El Paso, you still have options to recover compensation. The Applebaum Accident Group is here to fight for your rights and help you rebuild your life.
We understand the physical, emotional, and financial toll a crash can take — and we’re ready to help you every step of the way.
Schedule your free consultation today. There’s no obligation, and you won’t pay unless we win your case.
📍 Applebaum Accident Group
Serving El Paso and surrounding communities
📞 Call now for a case review(855-Call-Paul)
