If an uninsured or underinsured driver caused your Texas crash, your own auto policy may provide another source of recovery. Coverage depends on the policy, who is insured and the facts of the collision. Ryan Orsatti Law helps people in San Antonio and Bexar County review their coverage and pursue disputed injury claims.
A free case review can help identify the documents and questions that matter. You can request Spanish-language assistance.
San Antonio Uninsured Motorist Accident Guide
Wondering what your crash claim involves? Our free Texas Car Accident Settlement Calculator walks you through your losses, your filing deadline, the insurance that may apply and the issues insurers use to cut claims. It will not guess a dollar amount. It shows you what can help or hurt a claim, and you never have to give your email.
Start the free Claim CheckWhich coverage should you check?
The declarations page is a starting point. The complete policy, endorsements and any rejection documents may also matter.
| Coverage | What it generally addresses | What to check |
|---|---|---|
| UM | Losses caused by an uninsured driver | Whether coverage applies to this person and collision |
| UIM | Losses involving a driver with insufficient liability insurance | Applicable limits, damages and other payments |
| PIP | Medical bills and certain other losses, including lost income | Whether it was rejected and the available benefits |
| Collision | Damage to your own vehicle after a crash | Deductible and repair or total-loss terms |
These descriptions are general. The coverages are not interchangeable. Texas Department of Insurance: auto insurance guide.
What should you do after the crash?
Address medical and safety needs first. Then, as you are able:
- Keep photos, witness information, the report number and insurance details.
- Report the crash to your insurer and ask what documents it needs. Keep copies of notices and responses.
- Request the complete policy and declarations page that applied on the crash date.
- Keep medical-provider information, bills, work restrictions and records of missed work.
- Before a recorded statement, ask who is requesting it, why it is needed and whether a policy duty applies. Get advice about the request without ignoring your own insurer's cooperation requirements.
- Before accepting another insurer's settlement, review how its release and your policy's notice or consent terms could affect remaining claims.
If time has already passed, you can still ask for a review. There is no single first-48-hours rule that decides every claim. Filing deadlines, policy duties and evidence issues need separate attention.
What happens if your insurer disputes the claim?
Ask for the company's explanation and keep the claim correspondence. A dispute may concern coverage, who caused the crash, the extent of the injuries or the value of the losses. Those questions require different evidence.
A denial or delay does not automatically establish bad faith. UM and UIM claims can involve legal prerequisites that differ from other insurance claims. We review the policy, the carrier's stated position and the stage of the claim before advising you about next steps. This may involve further documentation, negotiation or litigation, depending on the facts.
How do we evaluate an injury claim?
We start with the collision evidence and the coverage documents. We then examine treatment records, income information and other evidence of the claimed losses. A policy limit is not a promise of payment, and an online calculator cannot determine the outcome of your case.
The questions include whether the evidence connects the claimed injuries to the crash, what future needs can be supported, and what coverage may apply. We explain significant disputes so you can make an informed decision about any proposed resolution.
What does it cost to hire Ryan Orsatti Law?
The firm works on a contingency fee. You pay nothing unless the firm recovers money for you, and that covers case expenses as well as the fee: if there is no recovery, you owe no attorney's fee and no case expenses. Ask for the fee agreement and read the fee and expense section before you sign anything.
Frequently asked questions
Do I have a claim if the other driver had no insurance?
Possibly. We review potential claims against responsible parties and any applicable coverage. The absence of insurance does not by itself establish fault or guarantee that money can be collected.
Can I use my coverage after a hit-and-run?
Possibly, but hit-and-run claims have additional requirements. Preserve the report and available evidence and have the policy and circumstances reviewed. Do not assume every unidentified-driver incident is covered.
Can I settle with the other driver before pursuing UIM benefits?
Settlement may affect remaining rights. Have the release and policy requirements reviewed first, including notice, consent and rights against responsible parties. A coverage analysis requires more than the amount of the other driver's offer.
Does the insurer have to pay as soon as I submit my bills?
Bills are part of the evidence, but they do not alone resolve coverage, responsibility or damages. The applicable duties and timing depend on the claim and its legal posture. Ask for the insurer's position in writing and have any dispute evaluated.
What if I cannot find my policy?
Ask your insurer or agent for the complete policy, declarations and endorsements covering the crash date. Keep the request and response. You can contact us before every document is assembled.
Request a free case review
Contact Ryan Orsatti Law at 210-525-1200 or use the case-review form. Tell us about the crash, the insurers involved and any pending deadline. Spanish-language assistance is available.
Ryan Orsatti Law | Principal office: 4634 De Zavala Road, San Antonio, Texas 78249 | 210-525-1200. General information, not advice for a specific case. Contacting the firm does not create an attorney-client relationship.
Ryan Orsatti Law – San Antonio Office
Address: 4634 De Zavala Rd
San Antonio, TX 78249
P: (210) 525-1200
Client Testimonial
“Ryan Orsatti and his team were valuable in handling my case. Mr. Orsatti worked every angle to ensure a settlement that ended in my favor. Too, he and his team respected my time and availability throughout the settlement process and required little of me. In doing so, I was able to fully focus on my recovery without the emotional drain and stress. I would not hesitate to recommend the law firm to any one person.” -Chela L. ⭐⭐⭐⭐⭐
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