What happens if the person who caused the accident has no insurance?

The law requires every driver to carry liability insurance, but more and more often, people drive and cause accidents when they are uninsured.  It is a bigger problem than you might think.  One study shows that 1 out of 5 drivers in Texas is uninsured.  Some indications suggest that the number is even higher in San Antonio.  If you are hit by an uninsured driver, you are going to be OK if you have uninsured motorist protection on your own auto policy.  This is known as UIM, and if you have it on your own car insurance policy, then your insurance carrier steps into the place of the uninsured driver, and pays you what you would have received if the at-fault driver had carried insurance. 

If you are hit by an uninsured driver and you don’t have UIM or related coverage, then you are left going after the uninsured driver personally, which is usually an exercise in futility.