One in five Texas drivers has no insurance. Getting hit by one is frustrating — but it doesn't mean you're out of luck. We handle UM/UIM claims and know how to navigate your own carrier to find every available dollar.
When you file a UM/UIM claim, your own insurance company becomes your adversary. The company you've paid premiums to for years will delay, lowball, and deny — using the same tactics they use on third-party claims. We've been fighting this playbook for 35 years.
Most people don't know they may have stacking options, multiple household policies, or umbrella coverage that applies. We audit every policy in your household to identify all available coverage. The difference can be tens of thousands of dollars.
Texas raised liability minimums to $50k/$100k/$40k on January 1, 2026. A single ER visit can exceed $50,000. A week in the ICU exceeds $250,000. Even insured drivers are often underinsured. Your UM/UIM coverage exists for exactly this situation.
Texas law requires every auto insurer to offer uninsured/underinsured motorist coverage. If you didn't specifically reject it in writing, there's a good chance you have it. This coverage kicks in when the at-fault driver has no insurance, has too little insurance, or flees in a hit-and-run.
We file a claim against your own UM/UIM policy for damages the at-fault driver can't cover. But your insurer will investigate and fight it just as aggressively as a third-party claim. They'll question your injuries, dispute treatment, and offer far less than your case is worth.
We also handle stacking claims where multiple vehicles or policies create additional coverage layers. We handle cases where the at-fault driver was underinsured for catastrophic injuries. And we handle bad faith cases where your own insurer unreasonably delays or denies a valid claim.
Don't let your own insurer shortchange you. Call 281-357-5297 for a free evaluation of every policy that may apply.
Have more questions? We're here 24/7.
📞 Call 281-357-5297"They handled absolutely everything for me. They relieved my stress, anxiety and treated me like family. The end result was amazing."