No, it is illegal for an insured driver to be driving an uninsured car because insurance is tied to the car and not the individual driver. Driving a car without insurance can result in serious penalties like fines, license suspension, and even jail time.

What if an uninsured driver hits you in Texas?

If you were hit by a driver without insurance in Texas, state law allows you to hold the motorist who caused your accident responsible for the damages you suffered. Rely on your health insurance and pay the rest of your costs out of pocket; File a claim based on your uninsured motorist coverage; or.

Can an uninsured driver sue me Texas?

File a Lawsuit Against the Uninsured Driver Texas is considered a no-fault state, meaning that if the uninsured driver caused your accident, injuries and property damage, you may be entitled to sue for damages.

How does uninsured motorist insurance work in Texas?

How Uninsured Motorist Insurance Coverage Works in Texas. Uninsured driver coverage in Texas will cover your losses from a car or truck accident that you can show was due to the negligence of the other driver – and the negligent driver carries no insurance.

How many drivers do not have insurance in Texas?

According to the Texas Department of Transportation, approximately 80% of drivers in Texas carry at least the minimum amount of coverage. However, 20% or one-fifth of the driving population does not carry insurance.

Do you have to have auto insurance in Texas?

State law only mandates that auto insurance companies offer uninsured and under-insured coverage to every driver. But the coverage is optional. We recommend that all Texas drivers carry this insurance. If you are ever in an accident with a driver with no insurance or limited insurance, you will need it.

Can a non covered driver drive your car in Texas?

Read our guide on choosing Uninsured Motorist coverage. If a driver allows another individual to drive the vehicle, the coverage remains active in Texas. You allow your friend to drive your car home from a night out because they volunteered to be designated driver. You ride in the passenger’s seat.