Uninsured Motorist (UM) & Underinsured Motorist (UIM) Claims in Laredo

What to Do When the Other Driver Has No Insurance or Not Enough

Too many collisions in Laredo involve drivers with no insurance or too little coverage. If you were hit on I-35, Loop 20, McPherson, or Del Mar by an uninsured or underinsured driver—or in a hit-and-run—you may still have options through your own UM/UIM coverage. A local uninsured driver accident lawyer in Laredo can help you understand your policy and pursue compensation for medical bills, lost income, and other losses.

Not sure whether you carry UM/UIM? (956) 717-8200 • Request a free PI consultation. We'll review your declarations page and explain next steps.

How UM/UIM Coverage Works

• Uninsured Motorist (UM): Applies when the at-fault driver has no liability insurance.
• Underinsured Motorist (UIM): Applies when their limits aren't enough to cover your damages.
• Hit-and-run: UM may apply if the at-fault driver can't be identified (subject to policy terms).
• Your insurer: UM/UIM is a claim with your own carrier—policy notice rules and deadlines matter.

What UM/UIM may help cover:

• Medical expenses (ER, imaging, surgery, rehab, follow-ups)
• Lost wages and—when supported—reduced future earning capacity
• Pain and suffering / loss of enjoyment of life
• Vehicle repair or replacement and related out-of-pocket costs

Texas fault rule: Texas follows modified comparative fault. You can typically recover only if you were not more than 50% at fault; your recovery may be reduced by your percentage of fault.

Why Choose Tellez Law for UM/UIM?

• Local guidance: We help Laredo families navigate UM/UIM benefits they've paid for.
• Policy review: We examine your declarations page, PIP/Med-Pay, rental, and exclusions.
• Clear communication: Direct access to your attorney and regular updates from our team.
• Contingency fee available: No attorney's fees on PI cases unless we recover compensation for you. (Court costs and case expenses may be the client's responsibility.)

How to File a UM/UIM Claim in Texas

1. Notify your insurer promptly: We provide notice and preserve deadlines required by your policy.
2. Gather evidence: Police report, witnesses, photos, medical records, wage loss proof.
3. Establish liability: Whether the other driver is known or unknown, we work to prove fault.
4. Submit a supported demand: We present a written demand with documentation and medical proof.
5. Litigation if necessary: If the insurer disputes liability or value, we're prepared to file suit.

What to Do After a Hit-and-Run or Uninsured Driver Crash

Act quickly to protect your health and your claim:

1. Call 911 and report the crash.
2. Seek medical care right away—even for headaches, dizziness, or neck pain.
3. Photograph vehicles, roadway, and visible injuries.
4. Request the police report; note if insurance was missing or insufficient.
5. Talk to a lawyer before recorded statements; have your policy reviewed for UM/UIM, PIP/Med-Pay, and rental coverage.

Answers to Common UM/UIM Questions

Related: Car Accident Lawyer in Laredo • Truck Accident Lawyer in Laredo

Tellez Law • 702 Corpus Christi St, Laredo, TX 78040 • (956) 717-8200

Serving Laredo, Webb County, Rio Bravo, El Cenizo & South Texas

Disclaimer: This information is general and not legal advice. Contacting us does not create an attorney–client relationship. Results depend on the facts of each case. Past outcomes do not guarantee future results. Contingency fee terms apply; court costs and case expenses may be the client's responsibility.