Legal Question in Insurance Law in Texas

Re: She didnt have a drivers license or liability insurance

Unfortunately, under these circumstances, you probably won't get what you deserve. An estimated 27% of all motorists in Texas are driving without insurance. (That number rises to over 40% along the Texas-Mexico border.) It is absolutely essential for you to carry "uninsured motorist coverage" to protect yourself from this large number of uninsured drivers. I am sensitive to the fact that insurance is expensive. However, even a small collision can cost you thousands to repair your car and tens of thousands in medical bills and lost wages from work. Uninsured motorist coverage is truly the most important, essential insurance you can carry if you drive in Texas.

As to your situation, you are doing the right thing to take this person to small claims court (which is presided over by your local Justice of the Peace and has jurisdiction up to $5,000). However, even if you win and get a judgment, it will be difficult to collect from an individual without insurance. Once you get your judgment, I recommend you hire a judgment collection expert. Most will charge only a percentage of what they collect for you (you will not need any "up-front" money). The best one I know is James Kavitz at Document Preparation, Inc. His telephone number is (972) 880-7938. Call him once you get your written judgment. He knows how to pry money out of otherwise "judgment-proof" debtors. Good luck to you.