what are the insurance laws when you have a truck registured in Texas and you live in Louisiania?

Question

I have libiality insurance on my truck and last night my son was driving it and he was broadsided from a truck that was registered in Texas and has no insurance and the person driving it lives in louisiania, He told my son that he just bought it. Dont you have to have insurance to get a car registured and taged. I dont understand my truck was an extended cab 1/2 ton it rolled 1 1/2 times. No one was hurt but both trucks were totaled. the kid that hit my son was driving a ford ranger. I had a gmc serria. What is the law about driving a truck with no insurance. Please help me Iam lost on this one.

Answer 1

Call your insurance company and file the claim with them. Once they confirm that the other vehicle did not have insurance - they will pay for your truck under your uninsured motorist coverage. They will then go back against the other owner/driver for re-payment.

Answer 2

In most states, when you register your vehicle (or renew your registration) you sign a paper that says you have insurance on it. But if he just bought it, is it registered in his name yet?

If he really did just buy the truck, and it was a replacement for another vehicle, most insurance companies give you a specific number of days to report the change, and they will cover you.

There may be forms from Louisiana and/or Texas (I'd check for both) to report to the state BMV that there was a crash involving an uninsured driver. That should spark a process where the driver will be asked to prove he had insurance, and if he didn't, he should lose his license until he has paid off your damages. (Of course, that could take quite a while, and that assumes he had a drivers license.)

If none of the above works out, look into filing a case against him in your local Small Claims or Municipal Court. If he didn't have insurance, then he shouldn't have a defense attorney either, and you should be able to show evidence (police report, photos, documentation that your truck was totaled, and evidence of the value of your truck). However, even after getting a judgment against him, you'd still have to collect on it.