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When the Other Driver Isn’t Covered, We Step In to Protect Your Rights
Being involved in a car accident is stressful enough—but when the at-fault driver doesn’t have insurance, or doesn’t have enough coverage to pay for your losses, the situation becomes even more overwhelming. Fortunately, you may still have options for recovering compensation through your own insurance policy. That’s where we come in.
At The Law Office of Bryan Fagan, we help victims of uninsured and underinsured drivers pursue the full amount they’re entitled to. We understand how frustrating it is to be left with medical bills, car repairs, and lost wages—and we’ll work tirelessly to make sure you’re not left footing the bill.
Understanding Uninsured and Underinsured Motorist (UM/UIM) Coverage in Texas
Texas law requires drivers to carry liability insurance, but that doesn’t mean everyone follows the rules. If you’re hit by a driver who has no insurance—or not enough insurance—your own UM/UIM coverage can be your safety net.
Uninsured/Underinsured Motorist coverage can help pay for:
- Medical expenses
- Lost wages or reduced earning capacity
- Pain and suffering
- Vehicle repair or replacement
- Funeral costs in fatal accident cases
But don’t expect your insurance company to make it easy. That’s why having a strong legal team matters.
How These Claims Can Get Complicated
Many people assume that filing a UM/UIM claim with their own insurer will be simple—but insurance companies often treat these cases just like any other: with skepticism and delay. Common issues include:
- Lowball settlement offers
- Claim denials or unnecessary delays
- Disputes over policy limits
- Blame-shifting to avoid payment
We know the playbook—and we don’t let insurers take advantage of our clients. We fight back with strong evidence and experienced negotiation tactics to protect your rights and maximize your recovery.
How The Law Office of Bryan Fagan Can Help
Policy Review and Strategy
We analyze your insurance coverage in detail to identify every source of potential compensation and ensure you’re protected under Texas UM/UIM laws.
Thorough Documentation of Your Damages
We compile medical records, accident reports, income statements, and expert evaluations to build a compelling claim that reflects the true value of your losses.
Aggressive Advocacy—Even Against Your Own Insurer
Whether we’re negotiating a settlement or preparing for litigation, we represent your interests with the same passion and intensity we’d use in a case against another driver.
Why Clients Choose Us
- Proven Track Record With Complex Insurance Claims
- Millions Recovered for Victims of Car Accidents Across Texas
- No Upfront Fees—We Don’t Get Paid Unless You Do
- Compassionate, Personal Service With Clear Communication
- Experienced Team That Knows How to Take On the Insurance Industry
Schedule Your Consultation
Just because the other driver was uninsured doesn’t mean you have to pay for everything yourself. Let The Law Office of Bryan Fagan guide you through your uninsured or underinsured motorist claim—and fight for the compensation you’re owed.
Call us today at (281) 562-7344 or fill out our online form to request your FREE consultation. We’ll review your policy, explain your options, and take swift action to protect your rights.
Contact us today to get the legal help you need:
Headquarter: 3707 Cypress Creek Parkway Suite 400, Houston, TX 77068
Phone:1-866-878-1005
