Houston, TX (November 13, 2026) – Law enforcement handled a major wreck at 9915 FM 1960 Road West on Thursday, November 12.
Harris County Sheriff’s Office was called to the scene along with several other emergency units. Those involved were involved by medical crews, though the extent of the injuries has not been specified.
Authorities continue to investigate the cause of the crash.
Our thoughts are with everyone involved and their families.
Why Uninsured Motorist Coverage Matters for Houston, TX Drivers
Texas requires every driver to carry liability insurance, but not everyone does. Many who do carry only the minimum: $30,000 per person and $60,000 in total for bodily injury. Uninsured and underinsured motorist coverage, typically called UM/UIM, fills that gap. It pays through your own policy when the at-fault driver has no insurance, doesn't have enough insurance or can't be identified.
Texas insurers must offer UM/UIM with every auto policy, and the coverage stays on unless the policyholder rejects it in writing. Many people sign that rejection when buying a policy without realizing what they gave up.
The coverage can apply to the policyholder, members of their household and passengers in the insured vehicle. For hit-and-run claims, Texas policies generally require actual contact with the other vehicle. A driver who is forced off the road without being touched may have a harder claim.
A UM/UIM claim is filed with your own insurer, but that doesn't make the process simple. The company may dispute who was at fault or how much the claim is worth. In Texas, an underinsured claim usually requires first establishing the other driver's responsibility and the full value of the losses.
After a crash, many people turn to a car accident lawyer to review the policy, check whether a rejection form was properly signed and handle negotiations with the insurer.
A claim against your own insurer can feel just as complicated as a claim against another driver. At Brian C. Gutierrez, PLLC, our team can review your auto policy and explain how uninsured or underinsured motorist coverage may apply.
Reach Brian C. Gutierrez, PLLC at (979) 243-9912 with your questions. We can help you weigh your options with clear information.
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.
