Getting into a car accident is stressful, but it becomes even more overwhelming when the other driver has no insurance. Unfortunately, this is common in South Texas, including McAllen, Edinburg, Mission, and the greater Rio Grande Valley. If you’re hit by an uninsured driver, you may still have options to recover compensation — and knowing what to do next can protect your health, your rights, and your claim.

Take immediate steps to protect yourself

Right after a crash, your actions can make a major difference. Check for injuries and call 911 if anyone is hurt. Even seemingly minor injuries should be documented early, especially if you plan to file a personal injury claim later.

Contact law enforcement so they can create an official accident report. This is key evidence in any Texas car accident case. While you wait, gather whatever details you can: the other driver’s name and contact information, their vehicle details, and photos of the crash scene, skid marks, road conditions, and your injuries.

As soon as the scene is safe, notify your insurance company. Because Texas is an at-fault state, the insurer will review the evidence and determine who caused the crash.

How uninsured motorist coverage can help

If the uninsured driver caused the accident, your uninsured/underinsured motorist (UM/UIM) coverage may help pay for your losses. Many drivers carry UM coverage without realizing how important it is until they need it.

UM coverage may help with:

- Medical bills
- Lost income
- Pain and suffering
- Vehicle repairs (depending on your policy)

Collision coverage can also help fix your vehicle, regardless of fault. Personal injury protection (PIP) may cover medical bills and some lost wages without needing to prove who caused the crash. These protections can be extremely helpful when the at-fault driver has no insurance.

When legal action becomes necessary

If insurance doesn’t fully cover your losses, you may consider filing a personal injury claim against the uninsured driver. This can help you recover compensation for medical bills, vehicle repairs, and pain and suffering.

However, lawsuits are most effective when the driver has income, property, or assets. A personal injury lawyer at our law firm can investigate the driver’s financial situation, look for hidden assets, and determine whether legal action is a realistic option.

A Crash Law Firm injury attorney can also help gather evidence, negotiate with insurers, and make sure you don’t miss important deadlines.

Hit-and-run crashes are treated like uninsured driver claims

Hit-and-run accidents are common throughout the Rio Grande Valley. When the at-fault driver flees the scene, your UM coverage usually applies.

Make sure you:

- Call the police immediately
- Document the scene and any injuries
- Contact your insurance company quickly

Prompt reporting can strengthen your uninsured motorist claim.

Why working with a personal injury lawyer helps

Accidents involving uninsured or hit-and-run drivers can feel overwhelming, especially when you’re facing medical bills, lost income, and vehicle damage. You don’t have to handle it alone.

A Crash Law Firm injury attorney in the Rio Grande Valley can help you navigate the claims process, understand your coverage, deal with the insurance company, and fight for the compensation you deserve. Whether you were involved in a car accident, truck accident, pedestrian crash, or motorcycle wreck, getting legal guidance early can make a significant difference.

If you’ve been hit by an uninsured driver in Mission, McAllen, Edinburg or anywhere in Texas, our team at Crash Law Firm is here to help you understand your rights and explore every path to recovery.