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​​Section 601.051 of the Texas Transportation Code, the “Texas Motor Vehicle Safety Responsibility Act,” requires all drivers in Texas to purchase auto liability insurance as financial responsibility in the event of a car accident. Despite the fact that violations of this law can result in fines and a driver’s license suspension, many people continue to drive without paying for insurance, especially in this uncertain economic climate. In fact, the Texas Department of Transportation (TxDOT) estimates that approximately twenty percent of drivers in our state are uninsured.


Despite the mandatory liability coverage laws in Texas, there will inevitably be drivers who choose to take the risk of driving without the proper insurance coverage to protect them in the event of an accident. In fact, the Insurance Research Council estimates that approximately 14-21% of Texas drivers are uninsured at any given time. Even more alarming is the fact that the state of Texas is ranked number 9 in nationwide reports of uninsured drivers.

If you were injured or your property was damaged in a car accident that was caused by an uninsured motorist, then you may need to rely upon your own insurance coverage to compensate you for the damages that were sustained. First enacted in 1967 and then amended in 1977, Article 5.06-1 of the Texas Insurance Code mandates that all motor vehicle insurance companies that conduct business in Texas offer UM and UIM coverage in conjunction with the standard Texas Personal Automobile Insurance Policy. Essentially, the insured driver is purchasing insurance on behalf of an uninsured or underinsured motorist when they buy into this type of coverage.

Given the fact that it is now considered to be standard for all insured drivers to purchase some amount of UM/UIM insurance coverage, the clause effectively protects all insured drivers from the financially negligent acts of another motorist. When making an uninsured motorist claim it is important to note that these are contract claims, meaning the statute of limitations is four years. Contrary to popular belief, the four-year timeframe does not begin when the car accident occurs. Rather, it begins when the insurance company denies the uninsured motorist claim connected to the accident. To ensure that your claim is handled appropriately and that you are provided with the compensation that you need, don’t hesitate to speak with The Law Offices of David McQuade Leibowitz, P.C.

If you have been injured in an accident caused by an uninsured motorist, contact Attorney Leibowitz at The Law Offices of David McQuade Leibowitz, P.C. today, for a free initial consultation to determine the best course of action. David McQuade Leibowitz fights for the rights of accident victims to recover compensation for their injuries because he believes that you should not be forced to pay the price for another party’s negligence. Many firms avoid talking on claims such as these, on the grounds that it can be more difficult to secure a settlement without an insurance policy, but David McQuade Leibowitz is ready to begin work on your case today.
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