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Car accidents are common in McAllen and across Texas, but the situation becomes much more complicated when the other driver is uninsured.
• In such cases, the at-fault party lacks the insurance coverage to compensate for your damages.
• If the driver is underinsured, they may have some coverage, but not enough to fully cover your losses.
• If you’re dealing with an accident involving an uninsured or underinsured driver, you may need to navigate the complexities of working with your own insurance.
Our McAllen uninsured accident lawyer at the Ryan Solis Law Group is ready to guide you through this process.
✅ The Ryan Solis Law Group has achieved millions in compensation for clients involved in personal injury cases, including uninsured accidents.
✅ With more than 19 years of experience representing personal injury victims, including victims of accidents by uninsured motorists, in McAllen and the Rio Grande Valley, Ryan Solis is an exceptionally skilled advocate.
✅ Ryan has been honored as the “Best Personal Injury Attorney in South Texas” by Stellar Business and has received the “CityOf” 2024 Premiere Service Award.
✅ Our law firm holds a verified A+ rating from the Better Business Bureau and is a member of both the McAllen Chamber of Commerce and the Rio Grande Valley Hispanic Chamber of Commerce.
✅ Choosing us means you’ll work directly with Ryan Solis. We don’t delegate your case to other attorneys; you get personal attention from our main car accident lawyer.
✅ We operate on a contingency-fee basis—meaning you pay no fees unless we win your case.
Insurance companies are notorious for denying valid claims or making the process unnecessarily complicated. The most significant benefit of hiring an experienced McAllen uninsured accident lawyer is the protection they provide against these unfair tactics. Your lawyer can manage communications with the insurance company on your behalf, ensuring that your rights are protected and that you are not taken advantage of.
Common strategies insurance companies use include:
• Denying your claim without valid reason
• Delaying payment or dragging out the claims process
• Requiring unnecessary documentation
• Not offering a clear explanation for a claim denial
These actions can add stress to an already difficult situation. A skilled McAllen uninsured accident lawyer can stand up to these tactics and ensure that you are treated fairly.
Under Texas financial responsibility laws, drivers are required to carry certain minimum levels of insurance to cover damages caused in an accident. If a driver lacks insurance, they could be personally responsible for covering all costs associated with an accident. The minimum coverage required by law includes:
✅ $30,000 for bodily injury or death per person
✅ $60,000 for bodily injury or death per accident
✅ $25,000 for property damage
Drivers who fail to meet these minimums may face fines starting at $350 for a first offense. Subsequent offenses can lead to fines over $1,000 and even a two-year suspension of their driver’s license. Additional options include Personal Injury Protection (PIP), which covers medical expenses and lost wages regardless of fault, and Uninsured Motorist (UM) coverage, which can help if you’re in an accident with someone who lacks insurance.
Our McAllen uninsured accident lawyer can help explain how these policies can work together to secure compensation for your losses.
While accidents involving uninsured drivers share many of the same steps as other crashes, it’s important to follow a few key actions to protect your rights. Here are steps we recommend after a collision:
✅ Call the police: Always notify the authorities, no matter the insurance status of the involved parties. A police report will be essential for your claim and help clarify the details of the accident.
✅ Seek medical care: If you’re not transported to the hospital by emergency responders, be sure to visit a doctor or the nearest emergency room to get checked out.
✅ Exchange information: Get the at-fault driver’s contact details and insurance information, if available. It’s also helpful to gather contact information for any witnesses.
✅ Document the scene: Take detailed notes on the location, time, weather conditions, and any other relevant details. This can assist your lawyer in reconstructing the events of the accident.
✅ Take photos: Capture images of the vehicle damage, any visible injuries, the scene of the accident, and the other driver’s license plate.
✅ Report to your insurance company: It’s essential to notify your insurer as soon as possible. Insurance policies often have strict time limits for reporting uninsured motorist claims.
If you’re unsure of what steps to take or need guidance through the process, our McAllen uninsured accident lawyer is here to help.
Recovering compensation for an accident involving an uninsured driver can be more challenging. However, you have several options to seek the damages you deserve:
✅ Use personal health insurance: This should be a last resort, as it often involves high out-of-pocket costs, including deductibles. If your health expenses exceed your insurance policy’s limits, you may be left covering the rest.
✅ File a PIP or uninsured motorist claim: If you have Personal Injury Protection (PIP) or Uninsured Motorist (UM) coverage, you can file a claim under these policies. Depending on your coverage limits and the severity of the injuries, these policies may help cover your expenses.
✅ Pursue a personal injury lawsuit: If other avenues fail, you can file a personal injury lawsuit against the at-fault driver. This is often a lengthy and complex process, but it can help secure compensation, especially if you suffered severe or long-term injuries.
When deciding the best course of action to pursue compensation for your damages, contacting the Ryan Solis Law Group is an important step toward ensuring you receive a fair outcome.
At the Ryan Solis Law Group, we are committed to helping you get the compensation and justice you deserve while you focus on your recovery, family, and life.
Let our experienced McAllen uninsured accident lawyer work on your behalf to maximize your compensation and protect your rights.
McAllen Personal Injury Lawyer Ryan Solis helps uninsured accident victims all around the McAllen, Texas, and Rio Grande Valley. We have an office in McAllen at 820 E Hackberry Ave McAllen, TX 78501, United States.
Find us with our GeoCoordinates: Latitude: 26.20789, Longitude: -98.20909.
Insurance companies will always try to minimize their payouts to you. One effective way to combat this is by staying informed. Below are some common questions from our clients that you might find useful.
If you’re involved in an accident with an uninsured driver, notify your insurance company immediately to file a claim under your uninsured motorist coverage (if you have it). Gather important documents like medical bills and police reports, and consult with a car accident lawyer to ensure you receive full compensation for damages, including lost wages and pain and suffering.
UIM (Underinsured Motorist) coverage helps cover the gap when the at-fault driver’s insurance doesn’t fully pay for your damages. After the other driver’s insurance pays out its limit, you can file a claim with your own UIM policy to recover the remaining costs.
A key downside of UM/UIM coverage is the increase in your insurance premiums. However, the added financial protection and peace of mind it offers in the event of an accident with an uninsured or underinsured driver often outweighs the higher cost.