If the at-fault driver has no insurance, or does not have enough to cover your damages, you may be able to seek compensation from the uninsured or underinsured motorist coverage in your insurance policy. In Texas, drivers are not required to purchase uninsured motorist coverage. Insurance companies must offer this coverage to drivers, but you can opt out in writing. That said, we do not recommend opting out. For a small increase in your insurance premiums, you can have more protection and more peace of mind. Another option is to file a lawsuit against the driver. However, this would only work if the at-fault driver has enough assets to cover your damages and most drivers would not.