Medical bills for head-on collisions can be extremely high, especially if the other driver does not have insurance. By looking beyond the first "no," J. Alexander Law Firm considers all potential sources of recovery, including uninsured motorist, household, and commercial insurance. One of our clients was told there was no claim after an uninsured head-on crash; our coverage review found otherwise.
Reviewed by Josh Alexander, Founder & Managing Attorney · Updated September 2026
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Texas Trial Lawyers AssociationFor example, we had a client hit by a driver with low or no insurance coverage. Instead of treating that policy as the end of the case, we reviewed the full coverage picture. This included the client's own uninsured/underinsured motorist policy and any coverage connected to the vehicle or driver.
That is why we request evidence before it disappears, take insurance calls off your plate, and review every potentially available policy, not just the first one the adjuster mentions. Before you decide whether to settle, we explain the offer, fees, expenses, medical bills and liens, expected deductions, estimated net recovery, and whether a lawsuit is a realistic option.
Texas liability coverage is limited. Hospital care, surgery, rehabilitation, missed work, and vehicle damage after a head-on collision can exceed the at fault driver's available policy limits. If the driver was uninsured or cannot be identified, there may be no liability coverage for that driver at all.
Texas auto policies generally include uninsured/underinsured motorist coverage unless a named insured rejects that coverage in writing. Whether it applies depends on the policy, available limits, the crash facts, and any valid written rejection. A policy review does not guarantee coverage. It gives you the information needed before signing a release.
What Callers Say
"She had no insurance. She had no insurance. She had no insurance."
"They came into my lane and struck me."
"Concussion with loss of consciousness, strain on the neck and muscles. That was the diagnosis."
"My whole arm was broken. It was dangling on the scene."
"The cop told me he couldn't tell me who was at fault. He said insurance would cover it."
You may receive an early settlement offer before you are aware of the extent of your injuries. A serious crash can result in headaches, dizziness, pain, memory problems, sleep disruption, anxiety, grief, or fear of riding in a car. It is common for a settlement check to come with a release. If you sign it, you may lose the right to sue the driver and their insurer for more money, even if your symptoms worsen or new treatment is needed later.
Head-on collision claims often turn on insurance coverage as much as fault. Here is what happens after you hire us.
Call (210) 901-6192In the other driver's case, the policy is at the beginning, not at the end. The review can include liability coverage, uninsured motorist coverage, underinsured motorist coverage, PIP, MedPay, vehicle owner coverage, and employer or commercial coverage. When the facts support it, the review can also include whether alcohol service in a bar or restaurant is part of the claim.
Not every coverage layer applies everywhere. The review happens before a release is signed and before anyone concludes that there is "no coverage."
After representation begins, letters of representation go to the insurers involved. Crash reports, video, vehicle data, witnesses, DWI records where applicable, policy information, medical records, and wage loss documentation are requested before they become difficult to obtain.
Your case should reflect what the collision actually did: treatment, future care, missed work, and daily life. Tell your providers about each and every symptom as it appears. Accurate beats dramatic.
The vehicle claim is separate from the injury claim. No percentage is taken from property damage or rental payments. If you do not have health insurance, treatment may be available under a Letter of Protection. It is not free care; medical charges are paid from recovery.
A named case manager provides a direct number and updates every 14 days. Home, hospital, and video meetings are available if injuries make travel difficult.
The fee is 33 1/3% of gross recovery before a lawsuit is filed and 40% after a suit is filed, plus a $300 administrative fee. Case expenses are separate, advanced by the firm, and reimbursed only after recovery.
Before accepting a settlement, you should see the gross offer, attorney's fee, case expenses, medical bills and liens, negotiated reductions, and estimated net recovery.
Some head-on collision claims are resolved without litigation. Others require litigation because the injuries are serious, liability is disputed, coverage is contested, or an underinsured motorist carrier does not fairly evaluate the claim.
Without a clear understanding of the policies and injuries, no settlement value can be promised. No one pressures you to sign a release while your condition changes.
Josh Alexander leads the firm's serious injury practice, including 18-wheeler crashes, traumatic brain injuries, spinal injuries, drunk driving collisions, rideshare claims, and wrongful death cases. In head-on collision cases, he directs the early strategy: preserving evidence, identifying coverage, and building the claim around the full impact of the crash.
Read Josh’s bio
Matthew Graham leads litigation and has more than 25 years of civil litigation experience, including representing insurance companies. He handles disputed fault, coverage, and serious injury cases that may need court.
Read Matthew’s bio
Laura Rivas has represented injured Texans since 2016. Her science and biochemistry background helps her evaluate medical records, diagnostic imaging, treatment, and how injuries affect a client's daily life after a head-on collision.
Read Laura’s bioClients describe a team that answers questions, returns calls, and keeps them informed while their case moves forward. That is the standard we work to meet for every client.
Very nice to work with and helpful through the whole process. Rodrigo was able to get me the answers I needed when I was in the dark with the insurance, and made me feel like I had someone fighting for me.
Roxanne was excellent and always kept me updated and even explained step by step what I would be looking towards to. I've never been through any of this so she sure was a big help in everything.
Roel referred me to J. Alexander law Firm after unfortunately getting into a car accident. The uncertainty on what to do next was stressful, but luckily Alejandra and Laura were able to help me through the process and put my mind at ease. Definitely recommend to anyone looking for proper consultation for their injuries.
Consult a San Antonio head-on collision lawyer during a free consultation.
We represent people hurt in head-on and wrong-way crashes across San Antonio, Bexar County, and nearby communities, including the Medical Center, Downtown, Stone Oak, Alamo Heights, Leon Valley, Helotes, Converse, Live Oak, Universal City, and areas along I-35, I-10, Loop 410, Loop 1604, and US 281.
If you cannot come to us, ask us to come to you. We can arrange a home visit, hospital visit when appropriate, or video consultation. We also work with injured clients who need help getting to an appointment. We can discuss transportation options, including rideshare assistance, based on the circumstances.
Free Case Review · No Fee Unless We Win · Home, Hospital, or Video
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Not ready to call? Your auto insurance declaration page can help identify your policy coverages. Send it through the secure upload link on our contact page, and the firm can explain which listed coverage layers may need closer review.
Contacting us does not create an attorney-client relationship. Please do not share confidential information until a representation agreement is in place.
Attorney advertising. This page provides general information only and is not legal advice. Contacting J. Alexander Law Firm does not create an attorney-client relationship. Representation begins only after a written agreement is signed. Every case is different. Results depend on the facts, evidence, applicable law, injuries, medical records, insurance coverage, available assets, and other circumstances. No attorney's fee is owed unless there is a recovery, subject to the written representation agreement. Clients may be responsible for case expenses as stated in that agreement.
Legal deadlines apply. Many Texas personal injury claims must be filed within two years, but shorter or different deadlines may apply. Claims involving government entities can have separate and substantially shorter notice requirements.
