Legal Help for Texans Hit by Uninsured or Underinsured Drivers
At TexasPersonalInjury.net by the Law Office of Bryan Fagan, we help injured Texans file and fight for full benefits under their own auto insurance policies after crashes with uninsured or underinsured drivers.
What Is an Uninsured or Underinsured Motorist Claim?
An uninsured or underinsured motorist (UM/UIM) claim is a legal pathway that allows you to recover compensation through your own insurance policy if the at-fault driver:
- Has no insurance at all, or
- Does not have enough coverage to pay for your injuries and damages.
In Texas, despite laws requiring liability insurance, thousands of drivers are still uninsured—or carry only the minimum coverage, which often isn’t enough to cover serious injuries. If you’re hit by one of these drivers, your UM/UIM coverage can step in to help.
When Can You Use UM/UIM Coverage in Texas?
You may have a valid UM/UIM claim in situations like:
- You were hit by a driver with no insurance
- The at-fault driver’s policy limit is too low to cover all your damages
- You were injured in a hit-and-run (where the driver cannot be identified)
- You were a passenger in a vehicle hit by an uninsured driver
- You were a pedestrian or bicyclist struck by an uninsured motorist
Many Texans don’t realize they’re eligible for compensation through their own policy—or that their insurer may try to deny, delay, or underpay that claim.
What Does UM/UIM Insurance Cover?
If your policy includes UM/UIM coverage (which Texas insurers must offer, unless rejected in writing), it can help pay for:
- Emergency room and hospital bills
- Surgery, therapy, and follow-up care
- Chiropractic treatment
- Lost wages and lost future income
- Pain and suffering
- Funeral expenses (in fatal accidents)
We help ensure your claim includes everything you’re entitled to, and we hold your insurance company to its word.
Why Do I Need a Lawyer for a UM/UIM Claim?
Although UM/UIM claims are made through your own insurer, insurance companies are still focused on minimizing payouts—even to their own policyholders.
Our legal team will:
- Review your policy and determine what coverage applies
- File your UM/UIM claim properly and on time
- Negotiate or litigate to demand the full compensation you're owed
- Challenge wrongful denials or lowball settlement offers
Insurers may use bad faith tactics, hoping you’ll accept less or walk away. We make sure that doesn’t happen.
How Unlicensed Drivers Can Affect Your UM/UIM Claim in Texas
Did you know that letting someone without a valid driver’s license use your vehicle can seriously complicate your uninsured or underinsured motorist claim? In Texas, if an unlicensed driver causes a crash, your insurance provider may deny coverage or reduce your benefits, especially if that driver wasn’t listed on your policy. This video dives into the hidden legal and financial risks of allowing unlicensed drivers behind the wheel—risks that could leave you paying out of pocket after an accident. Watch the video to protect yourself and your claim.
Serving Clients Across Texas
Whether your accident happened in Houston, Austin, Dallas, San Antonio, or anywhere in Texas, our attorneys are ready to help. We’ve represented clients injured by uninsured drivers on highways, city streets, and even in parking lots—and we know how to win against stubborn insurance companies.
Start Your UM/UIM Claim with Confidence
If you were hit by a driver with no insurance or not enough insurance, don’t assume you’re out of options. The attorneys at TexasPersonalInjury.net by the Law Office of Bryan Fagan are ready to fight for the full protection you’ve been paying for.
Call the Law Office of Bryan Fagan at 281-562-7344 or visit TexasPersonalInjury.net to schedule your free consultation today.
No legal fees unless we win compensation for you.
Reach out to us by filling out this form