California Uninsured & Underinsured Motorist Claims Attorney
Dealing with the aftermath of a car accident is challenging enough, but when the at-fault driver lacks adequate insurance coverage, the situation becomes even more complicated.
Our uninsured and underinsured motorist claims lawyers in California help individuals navigate the legal complexities of these situations to ensure they receive fair compensation for their injuries and damages.
If you are a victim, don't go through this process alone. Fill out our online contact form or call us today for a free consultation.
What is an Uninsured Motorist Claim?
An Uninsured Motorist (UM) claim is a type of insurance coverage that protects drivers and passengers who are involved in accidents with uninsured or hit-and-run drivers. This type of insurance policy is designed to provide financial protection for the injured party if the at-fault driver does not have any insurance coverage.
California requires all drivers to have car insurance, but unfortunately, not all drivers comply with this law. In fact, it is estimated that over 15% of California drivers are uninsured. This means that if you were involved in a car accident with one of these uninsured drivers, you may face significant out-of-pocket expenses unless you have Uninsured Motorist coverage.
What is an Underinsured Motorist (UIM) Coverage?
Similar to UM coverage, Underinsured Motorist (UIM) coverage is also an optional add-on to a car insurance policy. UIM coverage provides financial protection for the injured party if the at-fault driver has insurance coverage, but it is not enough to cover all of the damages.
For example, let's say you are involved in an accident with a driver who has a minimum liability insurance coverage of $25,000. However, your medical expenses and vehicle damage amount to $50,000. In this situation, the at-fault driver's insurance will only cover $25,000 of your damages and you will be responsible for the remaining $25,000. This is where UIM coverage comes in handy as it can provide the additional $25,000 needed to cover all of your damages.
What to Do After an Accident With an Uninsured or Underinsured Driver in California
If you have been involved in an accident with an uninsured or underinsured driver, it is important to take certain steps to protect yourself and ensure that your damages are covered. Here are some things you should do after the accident:
Collect Information
As with any other accident, it is important to collect as much information as possible from the other driver, including their contact information, insurance details, and license plate number.
Contact the Police
It is important to report the accident to the police so that they can file a report and document the details of the incident.
Take Photos
If possible, take photos of the accident scene and any damages to the vehicles involved. These photos can serve as evidence in case of a dispute.
Seek Medical Attention
Even if you feel fine, it is important to seek medical attention after an accident. Some injuries may not be immediately apparent and seeking medical attention can help identify any underlying issues.
Notify Your Insurance Company
It is crucial to notify your insurance company about the accident as soon as possible. They will guide you through the claims process and provide assistance with repairing or replacing your vehicle.
Keep Track of Expenses
Make sure to keep track of all expenses related to the accident, including medical bills, repair costs, and any other damages incurred. This will help ensure that
One of the most important thing to do is contact an uninsured and Underinsured Motorist Lawyer to file a claim.
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Vehicle-Related Accidents
Premises & Liability Cases
Serious & Catastrophic Injuries
Why You Need an Uninsured/Underinsured Motorist Lawyer
In the event of an accident with an uninsured or underinsured driver, you may find yourself fighting for compensation from your own insurance company. It's important to have a lawyer on your side to protect your rights and ensure that you receive fair compensation.
Knowledge and Experience
An uninsured and underinsured motorist lawyer has extensive knowledge and experience in handling these types of cases. They understand the laws and regulations surrounding insurance claims and can effectively navigate the complexities of your case.
Negotiation Skills:
Insurance companies are known for trying to minimize payouts to save money. A lawyer with strong negotiation skills will be able to advocate for you and negotiate a fair settlement that covers all of your damages.
Investigation
A lawyer will thoroughly investigate the accident to gather evidence and build a strong case. This can include obtaining witness statements, reviewing police reports, and gathering medical records. This investigation is crucial in proving fault and determining the extent of your injuries.
Legal Representation
Having an uninsured or underinsured motorist lawyer represent you sends a message to the insurance company that you are serious about your claim. It also takes the burden off you so you can focus on your recovery.
Trial Experience
In some cases, insurance companies may refuse to offer a fair settlement, which may result in going to trial. An experienced lawyer will have the necessary skills and knowledge to present a strong case in court and fight for your rights.
Knowledge of State Laws
Each state has its own laws and regulations regarding uninsured or underinsured motorist coverage. A knowledgeable car accident lawyer will be familiar with these laws and can ensure that you receive the maximum compensation possible.
Dealing with Insurance Companies
Insurance companies are known for trying to minimize payouts, even when it comes to their own policyholders. By having a skilled lawyer on your side, you can avoid being taken advantage of by the insurance company.
Let Our California Uninsured & Underinsured Motorist Claims Attorneys Fight For You
Whatever Auto Insurance Disputes you have, our skilled California uninsured and underinsured auto insurance claims lawyers are ready to stand by your side and fight on your behalf. Contact us today to schedule a free consultation and discuss your options.