Holiday Hit-and-Run on Seawall Boulevard: Using UM/UIM to Get Your Medical Bills Paid

 During the holidays, the Seawall Boulevard area of Galveston is bustling with both locals and tourists, creating an environment where car accidents, including hit-and-runs, are more likely to occur. If you’re involved in a hit-and-run during this busy time of year, understanding how Uninsured/Underinsured Motorist (UM/UIM) coverage can help cover your medical bills is crucial. This post explains how to navigate the situation and get the compensation you deserve.

Awards & Media Appearances

The Risks of Holiday Driving on Seawall Boulevard Holiday Hit-and-Run on Seawall Boulevard: Using UM/UIM to Get Your Medical Bills Paid

The holiday season in Galveston brings a unique combination of excitement and challenges, especially when it comes to driving on Seawall Boulevard. With thousands of visitors flooding the island to celebrate Christmas, New Year’s, and other festive events, the area sees a noticeable increase in both traffic and accidents. Tourists, many unfamiliar with local roads, can be distracted, leading to more vehicle collisions. Meanwhile, locals dealing with the same seasonal distractions and increased traffic can inadvertently contribute to a higher number of accidents, including hit-and-runs. The holiday season is often associated with an uptick in alcohol consumption. Bars, restaurants, and festive gatherings along the Seawall encourage people to enjoy themselves, but some may drive under the influence, significantly increasing the risk of accidents. The festive mood can also result in distracted driving as people focus on celebrations or their phones instead of the road.

Understanding Hit-and-Run Accidents

A hit-and-run accident is one where a driver causes damage to another vehicle or person and then flees the scene. Unfortunately, these accidents are all too common, and they can be especially distressing when the responsible party is nowhere to be found. In many instances, a hit-and-run occurs because the driver knows they are at fault—whether due to impaired driving, speeding, or simply not paying attention—and they try to avoid being caught. In Galveston, during the holiday season, the likelihood of hit-and-run accidents increases due to higher traffic volume. But being involved in such an incident can leave the victim feeling vulnerable. What should you do when the person responsible leaves the scene? Is there hope of recovering compensation for your injuries, damages, and medical bills?

The Zendeh Del & Associates, PLLC Team

Jonathan Zendeh Del

Trial Attorney

Gabe Perez

Trial Attorney

Carolyn Zendeh Del

Certified Mediator, Attorney

Chase Waterwall

Trial Attorney

Dorothy Porretto

Office Manager, Paralegal

Pedro Ruiz

Judge

Legal Assistant Zaira Banda

Zaira Banda

Legal Assistant

Legal Assistant Colleen Herndon

Colleen Herndon

Legal Assistant

What to Do Immediately After a Hit-and-Run

Being involved in a hit-and-run can be a traumatic experience, especially if you’re hurt. The first and most important thing to do is ensure your safety. Here’s what you need to do immediately after a hit-and-run:
  • Call the Police: After a hit-and-run, contact law enforcement as quickly as possible. Not only will the police begin investigating the incident, but they will also create an official report, which will be crucial when filing your insurance claim and pursuing legal action.
  • Seek Medical Help: Even if you feel fine, you should seek medical attention. Adrenaline can mask injuries, especially in the immediate aftermath of an accident. Seeing a doctor will ensure that any injuries—no matter how minor they may seem—are diagnosed and documented.
  • Document the Scene: If you are physically able, take photos of the scene of the accident. Capture images of any visible damages to your vehicle, the surrounding area, and any injuries you’ve sustained. This documentation will help your case later on.
  • Speak with Witnesses: If anyone witnessed the accident, try to get their contact information. A witness statement can be invaluable when attempting to track down the at-fault driver or when proving your case to the insurance company.
  • Collect Any Available Evidence: If the accident occurred in a busy area like Seawall Boulevard, there may be surveillance cameras or traffic cameras that captured the incident. Ask the authorities if any footage is available.

The Role of UM/UIM Coverage in Hit-and-Run Cases

One of the most important aspects of insurance coverage when dealing with a hit-and-run is understanding Uninsured/Underinsured Motorist (UM/UIM) coverage. If you’ve been injured in a hit-and-run, this type of coverage can be a lifesaver.

What Is UM/UIM Insurance?

Uninsured/Underinsured Motorist insurance is a form of coverage that helps protect you if the person responsible for the accident either doesn’t have insurance (uninsured) or doesn’t have enough insurance to cover your medical bills and damages (underinsured). While the state of Texas requires drivers to have liability insurance, this doesn’t guarantee that they’ll have enough coverage to pay for all your expenses if they’re at fault in an accident.

Client
Reviews

See what our past clients have to say about us.

These guys are amazing. They made a most horrific experience bearable. They treated me with respect and no judgment. I cannot describe how grateful I am for their representation with my case. 5 stars is not enough. I hope I never need them again but would ABSOLUTELY use them again and definitely recommend them.

— Jennifer S.

Jonathan Zendeh Del and Associates worked tirelessly on my case. They kept me informed every step of the way. In the end the got my case dismissed and I am so grateful that we out our trust in his law firm. I can honestly say the rumors were true. He really is the best.

— Kristin F.

If you’re involved in a hit-and-run, UM/UIM coverage can help pay for your medical expenses, lost wages, and pain and suffering. Essentially, it steps in when the at-fault driver is either unidentified or unable to cover the full extent of the damage.

How UM/UIM Coverage Can Help After a Hit-and-Run

When the person responsible for the hit-and-run accident is found to be uninsured or underinsured, your UM/UIM policy can help pay for:
  • Medical Bills: This is the most immediate concern for many people involved in accidents. Whether it’s for emergency room visits, surgery, or long-term rehabilitation, UM/UIM can help cover the cost of medical care if the at-fault driver doesn’t have sufficient insurance.
  • Lost Wages: If your injuries prevent you from working, UM/UIM coverage can compensate you for lost income during your recovery period.
  • Pain and Suffering: Aside from medical expenses, victims may experience emotional distress, anxiety, and pain from their injuries. UM/UIM can cover these damages as well, ensuring that you aren’t left with financial hardship due to an accident that wasn’t your fault.

How to File a UM/UIM Claim

Filing a UM/UIM claim is similar to filing a claim with any other type of insurance. Follow these steps to maximize your chances of receiving compensation:
  1. Notify Your Insurance Company: As soon as possible after the accident, contact your insurance provider to report the hit-and-run. Be sure to provide all necessary information, including the police report and any documentation you’ve gathered at the scene.
  2. Provide Documentation: Your insurer will need various forms of evidence to process your claim. This may include the police report, photos of the accident scene, medical records, and any other documents related to the accident.
  3. Review Your Policy: Before filing, take the time to review your UM/UIM coverage limits and any exclusions. Understanding what’s covered under your policy will help set realistic expectations for the claims process.
  4. Consult an Attorney: If you have difficulty dealing with your insurance provider or need help with the claims process, a personal injury attorney can guide you through the process and ensure that you receive the compensation you deserve.

Case Results

$11,820,000

WARN ACT
SETTLEMENT

Reached a settlement of $11,820,000

$11,820,000

WARN ACT CASE
SETTLEMENT

Employees fired when not given proper notice

Not Guilty

DRUG JURY TRIAL

Client was a dentist caught with 12 grams of methamphetamine. 

Case Dismissed

DRAM SHOP CASE

Death of a person who was run over by a drunk person who left a party.

$2,500,000

CAR ACCIDENT

Confidential settlement of $2,500,000

$4,500,000

DRAM SHOP CASE

Death of a person who was run over by a drunk person who left a party

Not Guilty

DWI JURY TRIAL

Client was asleep on the side of the road with the car on. Breath was .248

Case Dismissed

STATE OF TEXAS v. C.S.

Wrecked motorcycle while leaving the beach, an officer witnessed the accident and assumed he was intoxicated

Why UM/UIM Coverage Is Crucial in Galveston

For drivers in Galveston, UM/UIM coverage is especially important due to the high volume of tourist traffic, which increases the chances of accidents. As more people travel to the island for holidays and vacations, many of them are unfamiliar with the roads, which can lead to errors in judgment. These errors can result in accidents, including hit-and-runs. Moreover, hit-and-run accidents are often more difficult to resolve because the at-fault driver may not be identified, and even if they are, they may not have the resources to pay for damages. Having UM/UIM coverage in place helps protect you from the financial consequences of these accidents. The holidays on Seawall Boulevard are a time of celebration, but they also bring a higher risk of accidents. If you find yourself involved in a hit-and-run during this time, having UM/UIM insurance can provide the financial protection you need to cover medical bills, lost wages, and other damages. By understanding your rights and having the proper coverage, you can navigate the aftermath of a hit-and-run more effectively. If you need assistance with a UM/UIM claim or a hit-and-run accident, contact the experienced legal team at Zendeh Del & Associates, PLLC. We’re here to help you get the compensation you deserve. If you’ve been involved in a hit-and-run accident and need help with your insurance claim, don’t hesitate to reach out to Zendeh Del & Associates, PLLC. Call us for a free consultation today, and let us help you get your life back on track.

To learn more about this subject click here: How to Prove the Other Party’s Liability in a Texas Personal Injury Case