If the at-fault driver is uninsured or underinsured, you may still be able to recover compensation. Most Texas insurance policies include uninsured/underinsured motorist (UM/UIM) coverage that can provide financial support in such cases. You may also be able to file a personal injury lawsuit against the responsible party.
However, these situations are more complicated, so consulting a knowledgeable attorney will be invaluable in navigating these complex claims and ensuring you receive the full compensation you deserve.