If the negligent and uninsured party is a resident of Texas, their driver's license and vehicle registration may be suspended. If the negligent and uninsured party is not a resident, then their driving privileges in Texas could be suspended. Having an accident with an excluded driver can harm law-abiding Texans who are just trying to do the right thing. In other words, if you cause an accident, your insurance company will help you make the repairs, but you'll have to pay the deductible and face higher insurance rates in the future.
As an uninsured driver, you still have the same legal options as any other victim of a car accident in Texas. You can file a claim with the at-fault driver's insurance company, or you can take them to court. However, your lack of insurance can make it difficult to negotiate with the at-fault party. In addition, while your insurance company has the right to pursue the uninsured driver through subrogation, the insurer will only seek reimbursement of the claim money that it paid you through your coverage.
If you have to review the essential details of your car insurance policy, it's probably because you've just had a car accident. The car insurance policy you take out covers drivers similar to you; otherwise, there would be a higher premium. This means that if you weren't responsible for the accident, you can still file a lawsuit or claim against the at-fault driver's insurance company, regardless of your insurance status. Experienced car accident lawyers have built their business and reputation on their ability to investigate car accidents and ensure compensation for accident victims.
It's largely a myth that an auto insurance policy follows a driver, but in some cases your insurance policy may cover it. Adding UM or UIM coverage to your insurance policy helps protect you, your family members, the passengers in the vehicle, and anyone who drives your vehicle with your permission if you have an accident with a driver who doesn't have liability insurance for cars or who doesn't have enough liability insurance for cars. If a person drives a car insured by a policy from which they are excluded, neither the insurance company nor the driver can be held responsible for the accident. In a perfect world, all drivers would be covered by comprehensive car insurance to protect others on the road if they cause an accident.
The objective of TAIPA is to make the minimum liability insurance required by law available to applicants who have been considered ineligible by companies in the voluntary auto insurance market (generally due to a high number of accidents or fines). It's good not to take the risk: make sure your driver's license and car insurance policy are always up to date. You can let your friend take turns driving on your road trip, or you can let your friend drive the car home because you're too tired, you've drunk too much, or you just want to borrow your car to take you to the store.
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