What If the Truck Driver Is Uninsured or Underinsured?

It’s bad enough getting hit by a massive commercial truck. It’s even worse when you find out the driver who caused your injuries either has no insurance or not enough insurance to cover the damage they caused.

It’s frustrating. It’s unfair. And it can leave you feeling like you have nowhere to turn.

At 1-800-TruckWreck, we help people in this exact situation every day. We know how to uncover additional sources of recovery—and how to fight insurance companies that think they can walk away without paying what you deserve.

If you’ve been injured by an uninsured or underinsured truck driver, here’s what you need to know—and how our team can help protect your future.

Understanding Your Rights After a Truck Accident

When you’re hurt in a truck wreck in Dallas—or anywhere in Texas—you have certain rights under the law. But exercising those rights gets more complicated when the at-fault driver doesn’t have proper insurance. Here’s what you’re up against:

• Uninsured truck drivers: No coverage at all to pay for your medical bills, lost wages, or other damages.
• Underinsured truck drivers: Some coverage, but not enough to cover the full impact of your injuries

Either way, you need an aggressive legal team that knows how to find other ways to get you compensated.

How Your Own Insurance Might Help

If you carry Uninsured/Underinsured Motorist (UM/UIM) coverage on your own auto policy, you may be able to file a claim to help pay for your losses.

But don’t assume your own insurance company will make it easy. They’re still looking out for their bottom line—not your best interests.

That’s why having a truck wreck attorney handle your UM/UIM claim can be the difference between getting full compensation or getting left with unpaid bills.

Other Ways to Pursue Compensation

Truck wrecks almost always involve more than just a single driver. When the driver is uninsured or underinsured, we investigate every possible path for recovery, including:

• Holding the trucking company responsible for negligent hiring, supervision, or maintenance
• Going after freight brokers or shippers who may have played a role
• Pursuing claims against vehicle manufacturers if mechanical failures contributed to the crash

At 1-800-TruckWreck, we know how to find the full story—not just the one the trucking company wants you to hear.

How Our CRASH Media Team Builds Your Strongest Case

When you're going up against big companies and insurance carriers, evidence is everything. That’s where our CRASH Media Team comes in. This specialized in-house group moves fast to:

• Collect surveillance footage from nearby businesses and traffic cameras
• Interview witnesses and collect any third-party footage
• Analyze any audio or video recording including 911 calls
• Capture the real story of the wreck—before companies try to erase it

CRASH Media doesn’t just document the scene through audio and video. They help us build powerful cases that force insurers to take our clients seriously—and help juries understand exactly what happened.

You Focus On Healing. We Focus On Winning.

After a wreck, you should be focused on recovering—not fighting insurance companies, worrying about unpaid bills, or wondering if you’ll be able to support your family.

When you hire 1-800-TruckWreck, we take the legal and financial pressure off your shoulders so you can focus on your health and your future. Our team has:

• Recovered billions of dollars for injury victims nationwide
• Decades of experience in serious trucking cases
• Offices in Dallas, Fort Worth, Atlanta, and Chicago to serve clients across the country
• An in-house medical team to help support your physical recovery and document your injuries fully

Contact 1-800-TruckWreck Today for a Free Case Review

If you’ve been injured in a truck accident and found out the driver was uninsured or underinsured, you still have legal options—and we can help you use them. Contact 1-800-TruckWreck today to schedule your free consultation with one of our experienced truck wreck attorneys. We’ll review your case, explain your options clearly, and build a plan to fight for the compensation you need.