What to Do After a Car Accident with an Uninsured Driver in Houston

Getting into a car accident is stressful enough—but finding out the other driver is uninsured can make things even more complicated. Unfortunately, Texas ranks among the top states for uninsured drivers, and Houston is no exception.

If you’ve been in a car accident with an uninsured driver in Houston, you still have legal options. At Tritico Law, we’ve helped countless Houstonians recover compensation through uninsured motorist (UM) claims, personal injury lawsuits, and skilled insurance negotiations.

Here’s a step-by-step checklist of what to do immediately after an accident—and how to protect your rights in the days ahead.

✅ Step-by-Step Checklist: After an Accident with an Uninsured Driver in Houston

1. Call 911 and Report the Accident

Always contact law enforcement after any collision—especially if the other driver lacks insurance. A police report is essential for filing an uninsured motorist claim in Texas.

📍 Tip: Be sure to request a copy of the Houston Police Department’s accident report (CR-3).

2. Document the Scene Thoroughly

Gather evidence to support your claim:

• Photos of vehicle damage, license plates, and the surrounding area

• Contact information for the other driver—even if they admit they have no insurance

• Names and numbers of any witnesses

3. Seek Medical Attention Immediately

Even if you feel “fine,” injuries like whiplash or concussions may not show symptoms right away. Medical records also serve as critical evidence in uninsured motorist and personal injury claims.

4. Notify Your Insurance Company Promptly

Let your provider know about the accident and mention that the other driver was uninsured. If you carry UM or UIM (underinsured motorist) coverage, this is when it comes into play.

⚠️ Important: Do not give a recorded statement without speaking to a Houston car accident attorney first.

5. Consult an Experienced Houston Uninsured Motorist Lawyer

Uninsured motorist claims can quickly become complex. Your insurance company may try to limit your payout or dispute liability.

That’s where Tritico Law comes in. Our attorneys know how to handle UM/UIM claims in Texas and fight to recover compensation for:

• Medical bills

• Lost wages

• Vehicle repairs

• Pain and suffering

🚘 Why Houston Drivers Need to Be Prepared

According to the Texas Department of Insurance, nearly 1 in 8 drivers in the state is uninsured. Houston’s growing population and busy roadways increase the risk of accidents with drivers who can’t pay for your damages.

✅ Having uninsured motorist coverage—and a trusted attorney—can make all the difference.