Protecting Drivers Hit by Uninsured or Underinsured Motorists

Getting into a car accident is stressful enough — but finding out the other driver has no insurance can make the situation even worse. Many drivers in Texas carry little or no insurance, leaving innocent victims to cover their own losses.
At The Lakhani Law Firm, we fight for people injured by uninsured or underinsured drivers, helping them recover the compensation they are entitled to through their own insurance policies.

Standing Up for Accident Victims

Insurance companies often promise to protect you — but when it’s time to pay, they may delay, dispute, or deny valid claims. Our firm stands up for drivers who did nothing wrong. We handle the insurance companies directly, building strong claims and pushing for full payment under your coverage.

How Uninsured/Underinsured Motorist (UM/UIM) Coverage Works

Uninsured/underinsured motorist coverage is part of many auto policies and is designed to protect you if:

• The at-fault driver has no insurance
• The at-fault driver has too little insurance to cover your losses
• You were injured in a hit-and-run accident
• The at-fault driver’s policy has lapsed or been canceled

These claims are made against your own insurer — but they often treat them like adversarial claims. We fight to make sure they honor their obligations to you.

Common Injuries in UM/UIM Accidents

Accidents caused by uninsured or underinsured drivers can be just as serious as any other crash. We commonly handle cases involving:

• Whiplash and other neck injuries
• Back and spinal cord injuries
• Traumatic brain injuries (TBIs) and concussions
• Broken bones and fractures
• Internal organ damage or bleeding
• Soft tissue injuries (sprains, strains, torn ligaments)
• Emotional trauma and post-traumatic stress

We document the full extent of your injuries and the financial impact to build a strong claim for recovery.

What You May Be Entitled to Recover

Through a UM/UIM claim, you may be entitled to compensation for:

• Medical expenses (current and future)
• Lost wages and loss of earning capacity
• Pain and suffering
• Vehicle repair or replacement
• Emotional distress and diminished quality of life

We pursue the full value of your coverage — not just what the insurance company hopes you’ll accept.

What to Do After an Accident With an Uninsured Driver

If you’ve been hit by an uninsured or underinsured driver:

1. Call 911 – Report the accident and request medical help if needed.
2. Get the other driver’s information – License, contact, and any insurance details they have.
3. Document the scene – Take photos of all vehicles, road conditions, and visible injuries.
4. Seek medical attention – Even if you feel okay, get checked by a doctor.
5. Notify your insurer – Let them know you intend to file a UM/UIM claim.
6. Contact an attorney – Insurance companies may try to undervalue your claim; legal help early is crucial.

We can handle your claim from start to finish and fight to secure the compensation you deserve.

Why Choose The Lakhani Law Firm

• Personal attention: Your case will never be treated like just another file number.
• Aggressive representation: We won’t hesitate to take your case to trial if that’s what it takes.
• No fee unless we win: You pay nothing unless we recover compensation for you.

Talk to Us Today

You don’t have to take on your insurance company alone. Let The Lakhani Law Firm fight for your rights while you focus on healing.

Call now for a free consultation or submit our online case evaluation form to get started.