Attorney in Chula Vista for Auto Accident with Uninsured Driver
What do you do if you or someone you love or depend on has ended up in a wreck with an uninsured driver? Depending on coverage from your own insurance, you do have a few options. You should not try to figure out this situation on your own, as it can be very complicated. Auto accident lawyer in Chula Vista, Ryan Sargent, will be sure to help you.
Facts on Drivers in California that are Uninsured
Law in California necessitates that every driver must have a minimum of $15,000 per person and $30,000 per accident in bodily injury liability coverage and also a minimum of $5,000 for property damage coverage. California has become a place where having a car accident is an exceptionally unfortunate place; according to the Insurance Research Council, there were over 4.1 million uninsured drivers in the year 2012.
In some cases, even if the other driver does have some insurance, that monetary value may not cover everything. Consider the following: you are sitting behind a red light, when all of a sudden the car behind you hits you. You end up with injuries, miss much needed work, and had to pursue medical treatment to deal with your suffering pain. Contrary to you, the other driver responsible for the accident covered the statutory minimum of $15,000. Medical expenses alone could end up to be much more than that.
In this case, what are you able to do if you are in an accident with an underinsured or uninsured driver?
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 policy looks after you in case you are in an accident with an uninsured or underinsured driver. Similarly, there is another policy known as the Uninsured Motorist Vehicle Damage Coverage that will protect your own property.
The UM/UIM protection policy is not mandatory; therefore, you will have to check and see if you already have it on your insurance coverage. You may also be eligible to receive collision coverage that can cover any kind of property damage that happens no matter the cause. In some situations you may also have to depend on your health insurance coverage.
To go over every insurance policy to work in your favor and investigate different coverage options that can benefit you, work with accident attorney Ryan Sargent. Contact us soon so that we can help you with this difficult time in your life. Call 855-209-3997.