Laredo Accident Lawyer Handling Uninsured Motorist Claims
Hit by an Uninsured Driver? You May Still Have Coverage.
Joey Tellez helps injured drivers understand their UM/UIM coverage, deal with their own insurance company, and pursue compensation after uninsured, underinsured, and hit-and-run crashes in Laredo and throughout South Texas.
Your Policy Still Has to Be Proven
Your Own Insurance Company May Still Fight the Claim.
A UM/UIM claim is made under your own policy, but that does not mean the insurance company will automatically pay the full value of your losses. You may still need to prove fault, injuries, damages, and the amount of available coverage.
Tellez Law reviews the policy, identifies available benefits, handles communication with the carrier, and helps build the evidence needed to support the claim.
Understanding Your Coverage
Uninsured Motorist Coverage vs. Underinsured Motorist Coverage
Uninsured Motorist Coverage
UM coverage may apply when the at-fault driver has no valid liability insurance or cannot be identified after a qualifying hit-and-run crash.
Underinsured Motorist Coverage
UIM coverage may apply when the at-fault driver has insurance, but the available limits are not enough to cover the full value of your injuries and losses.
Do Not Assume There Is No Coverage
How Do I Know Whether I Have UM/UIM Coverage?
The first step is reviewing the declarations page and the policy documents. Texas insurers generally must offer UM/UIM coverage, and a written rejection may be important if the carrier claims the coverage was declined.
The policy may also include Personal Injury Protection, Medical Payments coverage, collision coverage, or other benefits that should be evaluated before assuming there is no available recovery.
Our office can review the policy and explain which coverage may apply to the crash.
What the Claim May Cover
Losses That May Be Included in a UM/UIM Claim
Medical Expenses
Emergency care, imaging, specialists, therapy, procedures, and other necessary treatment.
Lost Income
Wages lost because of the crash and supported loss of future earning capacity.
Future Care
Reasonably anticipated treatment, rehabilitation, or other medical needs.
Pain and Impairment
The physical pain, limitations, and disruption caused by the injuries.
Vehicle Damage
Repair, total-loss, rental, and other property-damage issues when coverage applies.
Out-of-Pocket Losses
Other documented expenses caused by the collision.
Protect the Claim Early
What to Do After a Hit-and-Run or Uninsured Driver Crash
01
Call Police
Report the crash and make sure an official record is created.
02
Document the Scene
Take photographs of the vehicles, roadway, debris, and visible injuries.
03
Look for Witnesses and Cameras
Nearby businesses, homes, and vehicles may have useful video or information.
04
Notify the Carrier
Prompt notice may be required under the policy.
05
Preserve Records
Keep the policy, repair documents, medical records, bills, and claim correspondence.
06
Get Advice Before a Recorded Statement
Understand your rights before giving a formal statement about fault or injuries.
Why Tellez Law
Local Guidance. Direct Access. A Claim Built Carefully.
Joey Tellez has represented clients in Laredo and South Texas for more than 24 years. Injury clients receive direct attorney access and clear explanations about what coverage may be available and what the insurance company is asking them to prove.
Our office reviews the policy, medical records, wage loss, vehicle damage, and the circumstances of the crash so the claim is presented with the documentation it needs.
We also help clients address vehicle-damage problems at no additional attorney fee.
470 5-Star Google Reviews
What Clients Say About Tellez Law
“Joey Tellez helped me with my case. He made a stressful situation much easier to handle. I'm glad I hired him. Don't hesitate to hire him—he gets the job done.”— Mark C.
“From the very beginning, they demonstrated professionalism, clear communication, and a deep understanding of the legal process. Every step was explained thoroughly, and I always felt informed and confident.”— Jae
Past client experiences do not guarantee a similar outcome.
Common Questions
Answers About UM/UIM and Hit-and-Run Claims
How do I know whether I have UM/UIM coverage?
Review the declarations page and the policy documents. A written rejection may also be relevant if the carrier claims the coverage was declined.
Can I make a claim against my own insurance company?
Yes, when the policy provides applicable first-party coverage. The claim still must be supported with evidence of fault, damages, and coverage.
What if the other driver fled the scene?
Report the crash promptly, preserve evidence, look for witnesses or camera footage, and review the policy requirements for a hit-and-run claim.
Will filing a UM/UIM claim raise my rates?
Rate consequences can depend on the policy, the facts, and applicable Texas law. The carrier should be asked to explain any underwriting or premium decision in writing.
What if the other driver has only minimum insurance limits?
Underinsured motorist coverage may apply when the at-fault driver's insurance is not enough to cover the full value of the loss.
Do I have to sue my own insurance company?
Not every claim requires a lawsuit. The appropriate path depends on the policy, the carrier's response, the disputed issues, and the evidence.
Talk to Tellez Law
Do Not Assume an Uninsured Driver Means There Is No Recovery.
Let our office review the policy, explain the available coverage, and help you understand your next steps.
Call (956) 717-8200Request a Free ConsultationNo attorney's fee unless we recover compensation for you. Case expenses may be handled separately under the representation agreement.