El Paso, TX (October 23, 2026) – A wreck closed the right and left turnaround lanes on Gateway South at Sean Haggerty on Friday morning, October 23.
El Paso Police and emergency units were called to the scene just before 5 a.m. to assist those involved and manage traffic. The full extent of any injuries was not disclosed.
The cause of the accident remains under investigation.
Our thoughts are with everyone affected.
Why Uninsured Motorist Coverage Deserves a Look in El Paso, TX
Texas requires drivers to carry liability insurance, but the minimum limits are modest: $30,000 for one injured person, $60,000 for all injured people combined, and $25,000 for property damage.
A serious injury can produce medical bills that exceed those numbers quickly. Some drivers also carry no insurance at all, which leaves the injured person with few places to turn for payment.
Uninsured and underinsured motorist coverage (UM/UIM) is designed to fill that gap. Texas law requires insurers to offer it with auto policies, and a driver who does not want it must reject it in writing.
Depending on the policy terms, it may apply when the at-fault driver has no insurance, has too little to cover the losses, or cannot be identified.
A UM/UIM claim is still a claim against an insurance company, and it comes with its own hurdles. The insurer may ask for proof that the other driver lacked coverage, and the policy usually sets notice and cooperation requirements.
Texas follows a proportionate responsibility rule that can bar recovery when a person is found more than 50 percent at fault, so the question of who caused the harm often shapes the outcome. A car accident lawyer can review the declarations page, confirm whether coverage was ever rejected in writing, and help organize medical records and other documents for the insurer.
If you have questions about uninsured or underinsured motorist coverage in Texas, our team at Brian C. Gutierrez, PLLC are glad to talk them through. We can explain how this coverage may apply based on the details of your situation.
You can call Brian C. Gutierrez, PLLC at (979) 243-9912 to go over your policy and your claim with us to learn more about your options.
Note: This post is based on information obtained from publicly available secondary sources. While we strive to ensure the accuracy of the information presented, Brian C. Gutierrez, PLLC has not independently verified all details of the incident reported. If you notice any inaccuracies or missing information, please contact Brian C. Gutierrez, PLLC so we can promptly review and update the content.
Disclaimer: The content of this post is provided for general informational purposes only and should not be interpreted as legal or medical advice. Reading this post does not create an attorney-client relationship with Brian C. Gutierrez, PLLC. If you have been injured in an accident, seek appropriate medical care and consult a qualified attorney regarding your legal options. Any images included are for illustrative purposes only and do not depict the actual accident scene or individuals involved.
