You were hit by a careless driver who happened not to have car insurance. Can you still receive compensation for your injuries? The answer is often yes when you work with Ryan Nguyen. As an auto accident lawyer in Houston, Ryan can explore all options to improve your chances of a successful claim. Even if the at-fault driver didn’t have car insurance or enough coverage to meet all of your damages, you still deserve to see a payout.
If you’re unsure about whether you have a case, call us anyway. Our firm offers free consultations for all clients. That means it costs nothing to discuss your options after an uninsured or underinsured driver leaves you hurt.
What Is an Uninsured or Underinsured Driver?
To understand how not having insurance, or not having enough insurance, affects your car accident claim, first, we need to understand what it means to be uninsured or underinsured from an insurance adjuster’s standpoint.
An uninsured driver does not have applicable liability coverage. This definition includes a driver who completely lacks insurance coverage, but it can potentially include an unidentified hit-and-run driver.
A driver is underinsured when their insurance coverage isn’t enough to cover the damages they caused. This might happen when the at-fault driver causes a multi-vehicle crash. In these cases, an underinsured driver’s insurance can only cover up to their coverage limit, so a single pool of money must be split among all the victims.
When the at-fault driver is uninsured or underinsured, your own insurance coverage can step in to cover outstanding expenses, subject to your policy limit. Under Texas law, your auto policy includes uninsured motorist (UM) coverage or underinsured motorist (UIM) coverage unless you declined it by signed rejection. If your insurer tries to claim you rejected this coverage, they should be able to produce the agreement you signed.
How an Accident Lawyer Fights for a Payout Against Uninsured Drivers
If an at-fault driver hits you and they have no insurance, or not enough insurance to cover the damage, you may still be able to pursue compensation. As a tactical auto accident lawyer in Houston, Ryan Nguyen knows how to identify all available avenues for compensation.
Ryan gathers crash evidence to identify all potential parties who could be liable. This may include the uninsured driver and other drivers involved who have insurance. Identifying all responsible parties can reveal additional insurance policies that may cover your losses.
Ryan can also check your UM/UIM coverage to help mitigate the costs of injuries and property damage when the at-fault driver has no insurance or insufficient coverage. This can be an important source of compensation, and our firm knows better than to leave it on the table.
Finally, Ryan can prepare your claim and negotiate with insurers. He’ll respond to unfair denials or lowball offers, all with your best interests at heart.
At the end of the day, what matters is that you access the support you need to get back on your feet and get a check in your hands. Hundreds of clients have shared five-star testimonials after we successfully carried their claim to a positive result. One client shared their experience working with us after an uninsured driver totaled their car. We worked around her busy schedule and personally sent her to see doctors and receive physical therapy while we secured a settlement on her behalf. “Accidents disrupt your whole life. I am so grateful I had him to help me,” she said about her experience.
That’s exactly the kind of support we want to provide for you. If you were hurt in a crash, Ryan Nguyen can fight for you.
Book a Free Consult With an Auto Accident Lawyer in Houston
Whether the other driver had no insurance or inadequate insurance for the way they’ve hurt you, don’t assume the conversation about payouts stops there. When you work with our practice, we identify all the sources of compensation available in your personal injury claim. Even when you’re going up against an uninsured or underinsured driver, you shouldn’t have to pay for their mistakes. Call an auto accident lawyer in Houston ready to take on these challenges so you don’t have to—Ryan Nguyen.
Ryan earned his nickname, The Falcon, through his passion for his clients and his relentless fighting spirit. Book a completely free consultation to see how we can stand up for you!
