Uninsured Motorist attorney in Austin Texas

Texas Uninsured Motorist Lawyer

Being hit by an uninsured or underinsured driver doesn't mean you're without options. We help you navigate UM/UIM claims to recover compensation.

Free Case Review (512) 500-2810

Why Choose Us?

No Fee Unless We Win

You pay nothing upfront

24/7 Availability

We’re here when you need us

Se Habla Espanol

Bilingual legal team

How We Help Injured Texans

When you’ve been hurt in an uninsured motorist incident, you need an attorney who understands the unique challenges your case brings. Medina & Medina has handled these claims across Texas for years and knows what it takes to get you the compensation you deserve. We offer a free consultation and charge no fee unless we win.

What We Do For You

Investigate your case thoroughly to establish liability
Gather evidence including medical records, witness statements, and expert opinions
Negotiate diligently with insurance companies on your behalf
Take your case to trial if necessary to get you fair compensation

Why Clients Choose Medina & Medina

Our uninsured motorist attorneys have extensive experience handling these cases across Texas, including Austin, Round Rock, Cedar Park, Georgetown, and beyond. We offer free consultations, bilingual representation, and charge no fee unless we win your case. Medina & Medina gives every case personalized attention because we believe every client deserves an attorney who fights for the right outcome.

Common Causes

At fault drivers who never purchased liability insurance
Drivers whose insurance policies lapsed before the accident
At fault drivers carrying only minimum liability limits insufficient to cover damages
Hit and run drivers who cannot be identified
Out of state drivers with inadequate coverage for Texas claims
Stolen vehicles operated by people with no insurance connection to the car

Typical Injuries

All injury types common to motor vehicle accidents
Injuries requiring expensive long term treatment exceeding available coverage
Traumatic brain injuries with lifetime care costs
Spinal cord injuries requiring ongoing rehabilitation
Multiple fractures needing surgical intervention
Chronic pain conditions requiring pain management

How We Prove Liability

When the at fault driver has no insurance or insufficient coverage, the injured party files a claim under their own uninsured or underinsured motorist policy. The UM/UIM carrier steps into the shoes of the at fault driver, and the injured party must prove the other driver was negligent just as they would in a standard liability claim. Insurance companies handling UM/UIM claims often dispute the severity of injuries and the amount of damages, making it important to thoroughly document all losses.

Texas Legal Framework

Texas Insurance Code Section 1952.101 requires insurers to offer uninsured and underinsured motorist coverage to all policyholders, and coverage can only be rejected in writing. UM/UIM coverage in Texas is designed to place the insured in the same position they would be in if the at fault driver had adequate liability insurance. Under Texas law, stacking of UM/UIM coverage across multiple vehicles on the same policy is permitted unless the policyholder waived stacking in writing.

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Compensation You May Be Entitled To

Medical Expenses

Past, present, and future medical costs

Lost Wages

Income lost due to your injuries

Pain & Suffering

Physical and emotional distress

Loss of Enjoyment

Impact on your quality of life

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Practice Areas Related to Uninsured Motorist

Car Accident

Expert legal help for car crash victims

18-Wheeler Accident

Advocating for trucking accident victims

Truck Accident

Specialized truck accident representation

Motorcycle Accident

Dedicated advocacy for injured riders

Traumatic Brain Injury

Advocating for brain injury survivors

Spinal Cord Injury

Paralysis and spinal injury claims

Wrongful Death

Compassionate representation for grieving families

Amputation Injury

Limb loss and amputation claims

Insurance Tips

Understanding Uninsured and Underinsured Motorist Coverage in Texas

Nearly one in five Texas drivers has no insurance. If an uninsured or underinsured driver injures you, your own UM/UIM policy may be the only source of compensation. Understanding how this coverage works under Texas law is essential to protecting yourself and your family.

Apr 21, 20257 min read

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What to Do If You Are Hit by an Uninsured Driver in Texas

Texas has one of the highest rates of uninsured drivers in the country. Learn your options if you are hit by someone without insurance and why uninsured motorist coverage is essential protection.

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What to Know About Hit and Run Accidents in Texas

Hit and run accidents leave victims injured and confused, often without knowing who hit them. Texas law provides both criminal penalties for the fleeing driver and legal options for the injured victim, including UM coverage claims and investigative strategies to identify the at-fault driver.

Sep 15, 20257 min read

Frequently Asked Questions

Even if you do not have insurance, you can still recover compensation when someone else caused the accident and your injuries. Being uninsured does not take away your right to make a claim against the at-fault driver for your medical bills, lost wages, and pain. You may receive a citation for driving without insurance, but that is a separate matter from your right to be compensated for your injuries. Talk to a lawyer before you speak with any insurance company.

If you caused a crash and have no insurance, you can face a traffic fine and the suspension of your license under Texas law. If the other driver was at fault, you can still make a claim against that person's insurance for your injuries. If you caused the crash, a lawyer can explain what liability you may face and how to protect yourself. The consultation is free.

Yes. Your right to recover money for your injuries depends on who caused the accident, not on whether you carry insurance. If another driver was negligent, that driver's insurance is responsible for your damages. Gather the police report, photos, and your medical records, and let a lawyer handle the insurance company for you.

Your immigration status does not stop you from filing an injury claim in Texas. State courts allow anyone injured by another person's negligence to seek compensation, regardless of status. We do not ask for papers to help you, and your information stays confidential. We are an immigrant-founded firm and we understand your concern.

If the at-fault driver has no insurance, your own uninsured motorist coverage, known as UM or UIM, can pay your medical bills, lost wages, and pain. Texas law requires insurers to offer this coverage, so many policies include it even when drivers do not realize it. A lawyer can review your policy and identify every available source of compensation.

At Medina & Medina we work on a contingency fee. You pay nothing up front, and we charge no fee unless we win your case. The consultation is free and we speak Spanish. Call us at (512) 500-2810.

View all frequently asked questions about insurance and compensation

Injured? Talk to an Uninsured Motorist Attorney Today.

Don’t wait to get legal help. Contact our attorneys today for a free consultation. We charge no fee unless we win your case.