Houston Uninsured Car Accident Lawyers Fighting Insurance Company For Your Full Benefits

Finding out the driver who hit you has no insurance can feel like a second accident. In a city like Houston, where nearly 1 in 7 drivers is uninsured, this scenario is a daily reality. You may feel helpless, but you are not out of options.

At the Law Office of Richard J. Presutti, P.C., we find solutions when the situation seems impossible. Our founding attorney, Richard J. Presutti, is a former insurance claims adjuster. With over 20 years of experience, he knows exactly how insurance companies evaluate – and often try to minimize – uninsured motorist claims. We are here to help you navigate your own policy and fight for the benefits you have already paid for.

What To Do If You Are Hit By An Uninsured Driver

If you are involved in a motor accident in Houston or the surrounding metro area, follow these steps to protect your right to a recovery:

• Call the police: Always get a formal police report to document the other driver’s lack of insurance.
• Document the scene: Take photos of both vehicles, the surrounding area and any visible injuries.
• Seek medical attention: Visit a doctor immediately, as many severe injuries like whiplash or internal trauma are not always obvious.
• Avoid giving statements: Do not sign anything or give a recorded statement to any insurance company until you speak with an uninsured car accident lawyer.
• Contact our firm immediately: Let us review your policy to identify all available avenues for compensation.

Taking these steps creates a solid foundation for your claim. It prevents the insurance company from finding reasons to deny you the coverage you have earned.

Understanding Your UM/UIM Coverage Options

Many victims believe that if the at-fault driver is uninsured, there is no way to recover compensation. However, your own auto insurance policy likely contains a safety net. Texas law requires insurance companies to offer Uninsured/Underinsured Motorist (UM/UIM) coverage unless you reject it in writing.

To help you navigate your policy, it is important to understand how different types of coverage work together to provide a safety net after a crash.

• Uninsured motorist (UM): This protects you if the other driver has no insurance at all or if you are the victim of a hit-and-run.
• Underinsured motorist (UIM): This kicks in when the other driver has insurance, but their policy limits are too low to cover your total medical bills and lost wages.
• Wrongful death claims: If you have lost a loved one, UM/UIM benefits can be used to pursue a wrongful death claim. This provides critical support for funeral expenses and the loss of financial stability when the responsible party lacks sufficient insurance.
• Bodily injury and property damage: UM/UIM coverage is typically split. One portion covers your physical injuries, while the other covers the repair or replacement of your vehicle.
• The “stacking” question: If you have multiple vehicles on one policy, you may be able to “stack” coverage to increase your total benefits. We can review your specific policy language to see if this applies to you.

By identifying which of these protections apply to your specific situation, we can build a comprehensive strategy to recover every dollar available under your policy.

Why Your Own Insurance Company May Fight Your Claim

It is a common misconception that your own insurance company will be on your side because you are their customer. In reality, once you file a UM/UIM claim, your interests and your insurer’s interests are no longer aligned. To them, your claim is simply an expense.

Because our founding attorney is a former insurance adjuster, we know the playbook they use to devalue your claim. They may try to argue your injuries were preexisting or pressure you into a quick, lowball settlement. We fight these tactics by preparing every case for trial. With over 100 trials under our belt, we are never afraid to litigate against an insurance company to protect your rights.

A Personalized Approach To Your Insurance Dispute

We believe that every client deserves clear answers to their questions and a direct access to their lawyer. Our practice focuses on a foundation of integrity, aggressive advocacy and a deep commitment to the North Houston community.

To provide the best possible service, we combine the insider advantage of a former insurance adjuster with the personal attention of a local practice. Whether you prefer to speak in English or Spanish, our bilingual and bicultural team ensures your voice is heard.

We work on a contingency fee basis with no upfront costs. We also offer home or hospital visits for those who cannot travel, such as those involved in severe truck crashes. By leveraging our industry-specific insight, we anticipate and defeat the strategies insurance companies use to minimize your claim.

Contact Our Houston Uninsured Car Accident Lawyer Today

You have paid your premiums for years so that you would be protected in a crisis. Now that the crisis has arrived, let us make sure your insurance company fulfills its promise to you. We provide the straightforward, honest representation you need to move forward with confidence.

Call 888-612-0353 or contact us online to schedule your free consultation. We can get started on your case immediately.