What if the at-fault driver is uninsured or underinsured?

In Texas, when an at-fault driver is uninsured or underinsured, an injured cyclist has the right to seek compensation from their own insurance company. This is known as an uninsured/underinsured motorist claim. The claim is meant to provide financial coverage for an injured cyclist when the at-fault driver cannot. In order for a cyclist to seek compensation through an uninsured/underinsured motorist claim, they must have an uninsured/underinsured motorist insurance policy. This policy must be specifically listed in the cyclist’s insurance policy. The policy should be greater than the cyclists’ liability coverage. It is also important that the cyclist contact their insurance company immediately. In Texas, cyclists can make an uninsured/underinsured motorist claim against their own insurance company regardless of who was at fault for the accident. The uninsured/underinsured policy in Texas provides coverage up to the limits specified in the cyclist’s policy. This can include compensation for medical fees, lost wages, and other damages. Texas also requires that the cyclist’s insurance company must not unfairly deny their claim. The insurance company must also provide a fair amount of compensation for the cyclist’s injuries. In summary, in Texas if the at-fault driver is uninsured or underinsured, the injured cyclist has the right to seek compensation from their own insurance company. In order to be eligible for a claim, the cyclist must have an uninsured/underinsured motorist insurance policy and make contact with their insurance company right away. The uninsured/underinsured motorist policy will provide coverage up to the limits of the cyclist’s policy. The insurance company must also provide fair compensation for the cyclist’s injuries.

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What if the at-fault driver is uninsured or underinsured?

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