Attorney Joey Tellez fights for Laredo families

The Real Question Is Not About Rates. It Is About Getting Paid.

Many people hesitate to file a car accident claim because they are afraid their insurance rates might go up. And yes, in some cases, they can.

But here is the truth:

In Laredo, where many drivers have little or no insurance, not filing a claim can leave you with thousands of dollars in medical bills, lost wages, and car repairs that you have to pay yourself.

At Tellez Law, we have seen good people get hurt and then wait too long to file. They do not want to deal with insurance companies or worry about their premiums. That delay can cost them everything.

Laredo Drivers Face a Different Reality

Laredo has one of the highest numbers of uninsured and underinsured drivers in the entire state of Texas. Even when the crash is clearly someone else's fault, there is a strong chance the other driver:

• Has no insurance

• Has only the minimum policy limit of thirty thousand dollars

• Cannot afford to pay anything out of pocket

That means if you do not file a claim or if you try to handle it alone, you could be stuck with the entire financial burden.

Filing a Claim Is Not About Blame. It Is About Getting What You Deserve.

If you were injured, out of work, or left without a vehicle, you deserve to be made whole. That includes:

• Paying for hospital and doctor bills

• Replacing your lost income

• Covering your prescriptions or long term care

• Getting money for pain and suffering

• Fixing or replacing your car

None of that happens unless you file a claim. And if you wait too long, the chance to recover may disappear.

What Happens If You Do Not File a Claim?

In Laredo, we have seen the consequences firsthand. When people choose not to file:

• They pay out of pocket for all medical and repair costs

• Their health insurance denies accident related coverage

• They miss the deadline to access uninsured motorist or personal injury protection benefits

• The other driver vanishes and is never held responsible

• Their entire case is lost because they waited too long

Doing nothing might seem easier right now. But the cost of silence will come back later.

A Lawyer Can Be the Difference Between a Settlement and a Setback

At Tellez Law, we do not just fill out paperwork. We take over the fight. When you work with our office, we:

• Find every insurance policy that might apply

• Go after the other driver and their insurer

• Help activate your own coverage when needed

• Make sure you do not use your policy unless absolutely necessary

• Deal with your medical bills and liens

• Build a strong case to show what you lost

And remember — you do not pay us anything unless we win.

What About My Insurance Premiums?

Here is the honest answer:

• If your insurance company is not used, your premiums will probably not change

• If you use your uninsured motorist or injury protection benefits, your rates may go up slightly

• Any increase is usually small and temporary

Meanwhile, your injury claim might be worth tens of thousands of dollars or more. Do not walk away from that just to save a few dollars on your monthly bill.

You Cannot Count on Insurance Companies to Be Fair. But You Can Count on Us.

Insurance companies save money when people do not file claims. They know that fear and confusion keep people quiet.

Speak up. Protect yourself. Let us help you get paid.

✅ Call Tellez Law Today

📞 (956) 717 8200
🌐 TellezLaw.com
📍 Serving Laredo and all of Webb County

Free consultations. No fees unless we win.