In a busy community like College Station, uninsured and hit-and-run accidents happen more often than most people expect. Texas law gives many drivers the ability to pursue compensation through uninsured or underinsured motorist coverage, but insurance companies do not always make the process easy.Â
At Chad Jones Law, our car accident attorneys help clients pursue the compensation they deserve while providing responsive communication and over-the-top client care throughout the process. Call (979) 595-5000 or contact us through our online form to speak with our team today.
In Texas, all drivers are required to carry a minimum amount of liability insurance:Â
A driver who fails to meet these minimums, or who carries no insurance at all, is considered an uninsured motorist under Texas law. Almost 12% of Texas motorists were uninsured in 2025, and some of those drivers live in or pass through College Station.
Between football weekends, student traffic near campus, and rapid population growth in Brazos County, collisions involving uninsured drivers are not rare. Some of the most common situations leading to uninsured motorist claims include:
Under Texas Insurance Code § 1952.101, Texas insurers are required to offer uninsured and underinsured motorist protection with every auto policy unless the policyholder rejects it in writing.
When you file a UM claim, you are making a claim against your own insurance policy rather than the at-fault driver’s. This comes into play in several situations: the at-fault driver carried no active insurance policy, a hit-and-run driver fled the scene before being identified, the other driver’s coverage was too low to fully compensate your losses, or the at-fault driver’s insurer became insolvent. In each of these scenarios, your own UM/UIM coverage steps in where the at-fault driver’s policy falls short or does not exist at all.
The process itself generally mirrors a standard injury claim:Â
Your insurer may contest the value of your claim even though you are their own policyholder, which is worth keeping in mind as the process unfolds.
When an at-fault driver has no insurance, you still have the right to sue them directly in Texas civil court. A successful judgment can allow you to recover compensation for your losses. Some uninsured motorists have personal assets or earnings that can satisfy a judgment.
Texas imposes deadlines for filing injury lawsuits, and most personal injury claims must be filed within two years of the accident date. Missing important deadlines can eliminate your ability to recover compensation.
An uninsured motorist claim allows you to pursue compensation for both financial and personal losses tied to the collision. Depending on your injuries and policy limits, compensation may include:
Keep in mind that you will still need to prove the uninsured driver was to blame in order for your insurance company to pay out on an uninsured motorist claim.Â
When you are filing an uninsured motorist claim, you are often dealing with your own insurance company instead of the at-fault driver’s insurer. Many people assume that means the process will be simple because your insurance company should be on your side. In reality, insurers may still dispute fault, question medical treatment, delay payments, or argue that your injuries are unrelated to the crash.
Our car accident attorneys have earned a strong reputation for client service and 5-star feedback because we prioritize responsiveness, preparation, and results. We offer:
In many situations, yes. Hit-and-run crashes may qualify for uninsured motorist benefits in Texas, particularly when there is evidence that another driver caused the collision and left the scene.
Be careful about providing recorded statements before speaking with an attorney. Even your own insurer can use your words to limit your claim. Stick to basic facts, avoid speculating about injuries or fault, and contact our firm before agreeing to anything.
Insurance rate issues vary by carrier and policy circumstances. However, many people choose to use UM/UIM coverage because it may be their only realistic source of compensation after a serious crash.
If your insurer denies your claim, you still have options. Texas law protects policyholders in bad faith denial situations, and you may be able to file a complaint with the Texas Department of Insurance or pursue litigation. Our firm can help you determine the right next step.
You should not have to absorb the financial consequences of another driver’s decision to drive without proper insurance. Whether you were injured in a hit-and-run collision near campus, were hurt by an uninsured driver on Highway 6, or are dealing with a denied UM claim, legal guidance can help you move forward and pursue the compensation you deserve.
At Chad Jones Law, we focus on responsive communication, detailed case preparation, and client care that continues long after a case concludes. Our team is available through a 24/7 answering service so you can reach someone when you need help most.
Call us at (979) 595-5000 or contact us online to discuss your uninsured motorist claim in College Station.
