If the other driver doesn’t have insurance, one thing you can do is see if he has any assets besides the insurance policy. Now, in Texas, most of your assets are exempt property like people’s homesteads are exempt and their cars are exempt. Hopefully in that case that you that you’ve got insurance, you have either personal injury protection or you have uninsured or underinsured motorist.
They can’t count that against you, and they can’t raise your rate. A lot of people are afraid their rates will go up if they use their own insurance. They can’t raise your rates if it’s not your fault. What matters is, does the other driver or the other at fault person have insurance? As long as he’s got it then it doesn’t matter.