Attorney in California for Auto Accident with Uninsured Driver
Have you or someone you love has suffered damages in an automobile accident with an underinsured or uninsured driver and you’re not sure what to do? Luckily, you have a few options contingent on your own car insurance coverage. This can be a very complicated question and is not one you should try to figure out by yourself. 1-800-HURT-NOW will be able to help you in situations like this as a car accident lawyer in California.
Facts on California Uninsured Drivers
In California, the law ensures that every driver is to have a minimum of $5,000 for property damage coverage, $30,000 per incident in personal liability coverage, and a minimum of $15,000 per person. While this is the case, in 2012 there were over 4.1 million uninsured drivers, according to the Insurance Research Council, thus making California a remarkably terrible place to have an automobile accident.
In some cases, even if the other driver does have some insurance, that monetary value may not cover everything. Consider this situation: sitting at a red light, the car behind you ran into you. You pursue medical treatment to deal with pain, you sustain injuries, and you miss your work. Contrary to you, the other driver responsible for the accident covered the statutory minimum of $15,000. Your medical expenses by themselves could be worth a lot more than that.
If you have been hit by an uninsured or underinsured driver, what can you do then?
What to do to recover damages when you have been in a car crash with an Uninsured Motorist
There are possibilities in the event that you are in a wreck with an uninsured or underinsured driver. Known as Uninsured Motorist Bodily Injury Coverage (UM/UIM), California gives drivers the opportunity to purchase uninsured and underinsured motorist coverage that is a value equal to the maximum liability policy you already have available. This kind of policy will protect you if you are in a situation where you are hits by a motorist who is not insured or underinsured. Similarly, there is another policy known as the Uninsured Motorist Vehicle Damage Coverage that will protect your own property.
You may want to check to see if you have the UM/UIM protection plan on your policy, due to the fact that it is not mandatory. Regardless of the cause, another kind of insurance coverage is possible, such as collision coverage that will cover property damage. In some cases, you might have to rely on your health insurance coverages.
To go over every insurance policy to work in your favor and investigate different coverage options that can benefit you, work with an accident attorney. For help in getting through this complicated event, contact us today. Call our toll-free number 1-800-HURT-NOW.