You may still have a path to recovery even if the other driver is never found. Your own uninsured motorist (UM) coverage is designed for exactly this situation and can pay for your injuries as though the fleeing driver had insurance. Report the hit-and-run to police promptly, seek medical care, and preserve any evidence — dashcam footage, witness information, or nearby business cameras. We can help track down what's available and file the UM claim.
Jimmy personally reviews every submission — most people hear back the same day.
Hit-and-run feels like the worst case because there is nobody to pursue. Often there is — it is just your own insurer rather than theirs.
Uninsured motorist (UM) coverage exists for exactly this. It covers you when the at-fault driver has no insurance, not enough, or cannot be identified because they fled. Texas insurers are required to offer UM/UIM, and you can only decline it in writing. A great many people carry it without remembering, so never assume you do not have it — your declarations page decides that, not your memory.
PIP also has to be offered and also requires a written rejection. It pays medical bills and part of your lost wages regardless of fault, and it pays quickly, which matters when bills start arriving and there is no liability insurer to bill.
Coverage can also come from a relative's policy in your household, or from the policy on the vehicle you were riding in.
Call police and make sure a report is generated. Two reasons: many policies condition UM coverage on prompt reporting of a hit-and-run, and a contemporaneous report is what stops an insurer later suggesting you invented the phantom driver.
Write down everything you remember while it is fresh — partial plate, make, model, color, damage, direction of travel, anything about the driver. In El Paso, a vehicle heading for a port of entry is a specific and useful detail.
Canvass for video the same day if you can. In El Paso that means nearby businesses, gas stations, and the camera coverage along the major corridors. Most systems overwrite within one to four weeks, and nobody preserves anything unless asked.
Debris matters too. A fleeing vehicle often leaves a mirror housing, trim, or paint transfer, and those can identify a make and model. Photograph and keep whatever is at the scene.
Body shops are sometimes a route as well — a vehicle with fresh front-end damage and no insurance claim behind it is conspicuous.
This surprises people. A UM claim is a first-party claim against your own company, and it is adversarial anyway. Expect a request for a recorded statement and for broad medical authorizations. Your policy's cooperation clause is real, but it does not require you to submit to whatever is asked — a statement can be scheduled, limited to the collision, and taken with your lawyer present.
It changes nothing about your rights. What matters is that the crash happened in Texas. Living across the border, being a Mexican citizen, or having no immigration status does not affect your ability to pursue a UM claim, and settlement funds can be paid to beneficiaries living in Mexico.
Many policies condition UM coverage on prompt reporting of a hit-and-run.
Businesses and stations along the corridor recycle footage within weeks.
Look for UM/UIM and PIP on every policy in the household.
Cooperate on reasonable terms, not on whatever is demanded.
Rear-endings, intersection crashes, uninsured drivers, hit-and-runs — in Houston, El Paso, and everywhere in between.
Federal regulations, black-box data, driver logs, multiple insurers. We move fast to preserve evidence before it disappears.
Hurt on the job for a non-subscriber employer, or injured by a third party at a job site? Texas gives you real options.
When the worst happens, we pursue accountability for surviving families with the care and seriousness it deserves.
La consulta es gratis y confidencial. No paga nada a menos que ganemos su caso. Jimmy contesta personalmente, hoy mismo.
Every day you wait, evidence disappears and the insurer gets ahead. One free call. Straight answers about your case — in English or Spanish. If you need a fighter, you'll have one. If you don't, I'll tell you that too.
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