Uninsured Motorist Claims in Texas: Know Your Rights After an Accident

If you've been hurt in a car accident caused by an uninsured driver—or the other driver fled the scene in a hit-and-run—you may feel uncertain about your options. Fortunately, Texas law allows drivers who carry uninsured motorist (UM) coverage to pursue compensation through their own insurance company. This type of claim helps you recover damages when the at-fault party can't be held directly responsible.

At Tellez Law, we help Laredo residents file and pursue uninsured motorist claims with care and confidence. Whether your case involves a hit-and-run or an uninsured driver, Joey Tellez and his team are ready to fight for your rights. Call us at (956) 717-8200 for a free consultation.

What Is an Uninsured Motorist Claim?

In Texas, uninsured motorist (UM) and underinsured motorist (UIM) coverage are not required by law—but they are highly recommended. These policies protect you if:

• The other driver has no insurance.
• The at-fault driver has insufficient coverage to pay for your damages.
• You are injured in a hit-and-run, and the driver cannot be identified.

Uninsured motorist coverage may pay for:

• Medical expenses
• Lost income
• Pain and suffering
• Vehicle repair or replacement

Important: Under Texas law, you can only recover through your UM/UIM policy if you were not more than 50% at fault for the accident. That's why having legal representation is critical to proving liability and protecting your rights.

How to File an Uninsured Motorist Claim in Texas

Filing a UM claim is not always straightforward. Insurance companies often treat these cases like any other liability dispute—requiring proof of fault, documentation of injuries, and evidence of damages. Here's how the process typically works:

1. Notify Your Insurance Company: Prompt notice is critical. We will contact your insurer and ensure deadlines are met.
2. Gather Evidence: We will collect police reports, witness statements, crash photos, medical records, and proof of financial losses.
3. Establish Liability: Whether the other driver is known or unknown (in a hit-and-run), we will work to prove they caused the crash.
4. Submit a Demand for Compensation: We present your claim to the insurance company in a formal demand letter supported by evidence and medical documentation.
5. Litigation (If Necessary): If your insurer denies the claim or offers less than you deserve, we are fully prepared to take your case to court.

Why Choose Tellez Law for Your UM/UIM Claim?

• Proven Experience: Joey Tellez has over 20 years of experience fighting for accident victims in Laredo and surrounding areas.
• Personal Attention: At our firm, you're not just a case number. Joey regularly provides clients with his personal cell phone number for direct communication.
• No Recovery, No Fee: You pay nothing unless we win your case. We handle UM/UIM claims on a contingency fee basis.
• Trial-Ready Representation: If your insurer refuses to act in good faith, we will go to trial to fight for your rights.

What to Do After a Hit-and-Run or Accident With an Uninsured Driver

Time is critical. If you've been hit by a driver without insurance—or one who fled the scene—take these steps:

1. Call 911 and report the accident.
2. Seek medical attention immediately, even for minor injuries.
3. Take photos of the scene, vehicle damage, and any injuries.
4. Request a copy of the police report.
5. Contact an experienced personal injury attorney to discuss your uninsured motorist coverage and legal options.

Get Help From a Laredo Lawyer Who Puts You First

At Tellez Law, we understand how overwhelming it can be to deal with an uninsured or underinsured driver—especially when you're hurt, stressed, and unsure where to turn. That's why we offer free consultations and never charge legal fees unless we win your case.