Attorney For Uninsured Driver Accidents in San Bernardino, California
If you are unsure what to do after being involved in a car accident with an uninsured driver, read this information to learn about some of the options that are available to you. Your options depend upon which types of coverage you have on your auto insurance policy.
George Arvanitis is an experienced auto accident attorney in San Bernardino and he can answer your questions. Call 1-800-HURT-NOW to discuss your options.
Facts About California Uninsured Drivers
Every driver in the state of California is required to have $15,000 of minimum coverage for each person, as well as $30,000 for each person in minimum coverage for bodily injury, and a minimum coverage amount of $5,000 for property damage. Despite this, the Insurance Research Council reported that in 2012 there were four million drivers operating uninsured vehicles, making California one of the worst states in which to be involved in a car accident.
Almost as bad would be if the other driver only has the minimum coverage on his/her policy, which usually does not cover all of your damages, medical bills, and past & future wages lost from missing time at work. If you get hit by a driver with the minimum coverage, you could be facing a life-altering situation. What are your options if you are hit by a driver that is uninsured/underinsured driver?
How to Recover Damages After a Accident with an Uninsured Motorist
Uninsured Motorist Bodily Injury Coverage (UM/UIM) adds extra coverage to the policies of drivers in California, which is equally valued to the maximum liability on the driver’s preexisting policy. If you’ve been in an accident with a driver that does not have insurance or insufficient insurance, this will give you additional coverage to compensate for your injuries. In addition, there is Uninsured Motorist Vehicle Damage Coverage that will provide the same benefit for the damages to your car.
These additional policy coverages are not required by law, but they are both good for you to have, so ask your insurance company if you are unsure whether you are covered. Another option is collision coverage, which protects you from property damage whether or not the accident was your fault. You also have the option of using your health insurance coverage.
Speak with San Bernardino Car Accident Lawyer George Arvanitis immediately to learn more about all available coverage options to help you return to life as you knew it before the accident. Call 1-800-HURT-NOW and we will answer your questions.