If you’re involved in an accident with an uninsured driver in Texas, it’s crucial to know your options to protect yourself financially. Texas law requires drivers to carry a minimum amount of liability insurance, but not everyone complies. If the at-fault driver is uninsured, you may face challenges in recovering damages. Here are steps to consider:

1. **Uninsured Motorist Coverage**: Check if you have uninsured motorist (UM) coverage as part of your auto insurance policy. This coverage can help pay for medical expenses, lost wages, and other damages if the at-fault driver lacks insurance.

2. **Personal Injury Protection (PIP)**: Utilize your PIP coverage, if available, to cover medical expenses and lost income, regardless of who is at fault.

3. **Collision Coverage**: If you have collision coverage, it can help pay for repairs to your vehicle after an accident with an uninsured driver.

4. **Legal Action**: Consider consulting with a personal injury attorney to explore the possibility of suing the uninsured driver for damages. However, collecting compensation can be difficult if the driver lacks assets.

5. **Report the Accident**: Always report the accident to the police and your insurance company, providing detailed information and documentation.

6. **Document Everything**: Gather evidence, including photos, witness statements, and medical records, to support your claim.

By understanding your insurance options and taking appropriate legal steps, you can better navigate the aftermath of an accident with an uninsured driver in Texas.