When you are hit by an uninsured motorist in San Diego, CA, you face the risk of not getting enough or any compensation for your auto accident injuries. This situation becomes even more problematic if the other driver has been clearly negligent, or if your injuries require expensive treatments.
If you were involved in an auto accident involving an uninsured motorist, your first course of action should be to talk to a San Diego car accident lawyer.
With the help of a dedicated legal counsel, you can obtain rightful compensation for your auto accident losses, either from the negligent driver or from your own insurance company.
From a San Diego Car Accident Lawyer: Auto Insurance Laws in San Diego, CA
Auto insurance and liability coverage laws in California are pretty straightforward. As an auto driver, you are required to demonstrate your financial responsibility to other drivers in case of an accident. This entails purchasing auto liability insurance.
Under California state guidelines, drivers are mandated to carry a minimum amount of $15,000 for bodily injury insurance, and a minimum amount of $5,000 for property insurance.
These insurance coverage amounts serve as protection for physical injuries and property damage after an auto accident in San Diego, CA, or anywhere in California. A potential problem arises when you become involved in a car collision with a negligent driver who does not carry any insurance at all.
When this happens, you will want to seek the advice of a San Diego car accident lawyer.
What to Do after an Auto Accident Involving an Uninsured Motorist in San Diego, CA?
If the negligent driver does not carry any insurance — whether for bodily injuries or property damage — you can still seek compensation.
Your first option in dealing with an uninsured motorist in San Diego, CA is to make him or her pay using his/her own resources. Typically, the driver’s insurance carrier will pay for the damages, but in the absence of such, you can always compel the driver to pay using his or her own finances. This is one of the risks the driver assumed when s/he chose not to obtain liability insurance coverage for an auto accident.
Another course of action is for you to check your own car insurance policy in San Diego, CA. Some insurance companies automatically include coverage for uninsured motorist accidents in the driver’s policy. This coverage allows a driver to seek compensation from his/her own car insurance company, in case the other driver is uninsured, underinsured, or unable to pay in any way.
Unless you signed a waiver explicitly stating that you will skip this uninsured driver coverage, you are most likely protected by your insurance carrier in San Diego, CA. This means your own insurance company can pay for your losses.
Do You Really Need a San Diego Car Accident Lawyer?
If you want to improve your chances of getting full and fair accident compensation then, yes, you will need the help of a San Diego car accident lawyer.
Obtaining full compensation when you have been involved in an auto accident with an uninsured motorist can be tricky, if not downright exhausting. Since California law mandates for all auto drivers to obtain liability insurance, you may be unprepared for this kind of complication. Failing to inform the police immediately or not having exchanged information with the other driver can complicate matters further. For this, you will need the advice of a San Diego car accident lawyer.
As you recover from your injuries, you can rest assured that you have a committed car accident attorney to deal with insurance companies. To be represented by a reputable San Diego car accident lawyer sends a message to the insurance company that you are not willing to be treated unprofessionally. The recovery period following an accident can be an extremely emotional time. You would not want to deal with difficult insurance carriers who may attempt to deny your rightful claim.
Work with a Reputable San Diego Car Accident Lawyer for your Uninsured Motorist Case Today
While an insured, yet negligent driver will be able to compensate you for your auto accident injuries in San Diego, CA, an uninsured motorist may leave you to deal with the expenses on your own. With the help of a San Diego car accident lawyer, however, you can examine all your options and evaluate whether you can seek compensation somewhere else. There is no reason for you to suffer needlessly, especially after a traumatic auto accident. Get in touch with us today to see how we may be able to help.