The first thing you should do after being hit by someone without insurance is to check your own auto insurance policy to see if you have uninsured motorist coverage. If you have this coverage, in Texas the minimum policy limits are $30,000. Uninsured motorist coverage provides the insurance the uninsured driver should have had. If you are at fault for the wreck, your insurance will likely not provide coverage. If you are partially at fault, your insurance will pay a portion of the damages. You should also check to see if you have personal injury protection (PIP) coverage, which normally provides $2,500 to cover medical expenses and lost wages. While you can try to take legal action against the uninsured driver who hit you, most drivers who can’t afford to pay for insurance also won’t be able to pay for the damages they caused in a car accident.