New Braunfels Uninsured Driver Accident Lawyer
Getting into a car accident is stressful enough — but when the at-fault driver doesn’t have insurance, it can feel like a nightmare. Unfortunately, this situation is more common than many realize. In Texas, it’s estimated that nearly 1 in 8 drivers are uninsured. If you’ve been hit by someone who lacks insurance coverage, you still have options. At the Law Office of Israel Garcia, a knowledgeable New Braunfels uninsured driver accident lawyer can help you pursue the compensation you deserve, even when the responsible driver can’t pay.
Understanding Uninsured & Underinsured Motorist (UM/UIM) Coverage
Texas law requires drivers to carry liability insurance, but not everyone follows the rules. If the driver who hit you has no insurance — or not enough to cover your damages — you may need to rely on your own policy’s uninsured/underinsured motorist coverage.
UM/UIM coverage can help pay for:
- Medical bills
- Lost income
- Pain and suffering
- Property damage
- Funeral expenses in fatal crashes
Our uninsured driver accident lawyers in New Braunfels are experienced in negotiating with insurance companies and holding them to the full obligations of your policy.
When Insurance Companies Don’t Play Fair
Even though UM/UIM claims are made through your own insurer, they often treat these cases like any other liability claim — looking for ways to delay, deny, or minimize your payout. We’ve seen it all, including:
- Lowball settlement offers
- Claims that your injuries aren’t serious
- Delays in processing your paperwork
- Blaming you for the accident
At the Law Office of Israel Garcia, we know these tactics and how to overcome them. Our team will aggressively advocate for your full recovery.
Who Else Could Be Liable?
Even if the at-fault driver lacks insurance, other parties might still be held responsible depending on the circumstances of the crash. For example:
- The uninsured driver’s employer, if the crash occurred during work
- A bar or restaurant that overserved a drunk driver (Dram Shop liability)
- The manufacturer of a defective auto part or tire
As experienced New Braunfels accident lawyers, we look beyond the obvious and explore every potential path to recovery.
Why Choose Our Uninsured Driver Accident Lawyers?
We’ve helped countless Texans recover from traumatic crashes — and we’ve been in your shoes. Our team knows the emotional, physical, and financial toll these situations take, and we fight relentlessly to make things right.
Here’s what you can expect when you work with us:
- 20+ years of personal injury experience
- Advanced courtroom training and trial strategy
- No fees unless we win — no upfront cost to you
- Bilingual service for Spanish-speaking clients — se habla español
We don’t let insurance companies hide behind red tape. We’ll fight for what’s fair — and what’s right.
Do I need uninsured motorist coverage to make a claim?
Yes, in most cases you must have uninsured/underinsured motorist (UM/UIM) coverage on your auto policy to file a claim for compensation after a crash with an uninsured driver. Texas insurers are required to offer this coverage, but it can be rejected in writing. If you’re unsure whether you have it, our New Braunfels uninsured driver accident lawyers can help you review your policy and determine your rights.
Can I sue the uninsured driver directly?
Technically, yes — but collecting from an uninsured driver is often difficult. These individuals typically lack the assets or income to pay a judgment. Instead, your best option is usually to pursue a claim under your UM/UIM coverage or explore other potential sources of liability. Our team can help you make that determination and build the strongest case possible.
How long do I have to file an uninsured motorist claim in Texas?
The general statute of limitations for personal injury claims in Texas is two years. However, insurance companies often impose much shorter deadlines for UM/UIM claims — sometimes within 30 days of the crash. It’s critical to act quickly. Contacting a New Braunfels uninsured driver accident lawyer right away ensures you don’t miss any deadlines that could affect your ability to recover.
Speak With a New Braunfels Uninsured Driver Accident Lawyer Today
If you’ve been hit by an uninsured driver, don’t give up hope — you may still be entitled to significant compensation. The Law Office of Israel Garcia is here to fight for you. Call (210) 529-9999 or reach out through our online contact page to schedule a free consultation. **Se habla español.**
