Lawyer in El Cajon for Car Wreck 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. In this case, Ryan Sargent, car incident attorney in El Cajon, can help you.
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. According to the Insurance Research Council, 2012 was recorded to have well over 4.1 million uninsured drivers which makes having a car wreck in California a very bad place.
In some cases, even if the other driver does have some insurance, that monetary value may not cover everything. For instance, while sitting at a red light, a care behind you barrels into you. You end up with injuries, miss much needed work, and had to pursue medical treatment to deal with your suffering pain. On the other end of things, the driver who has hit you only carried the minimum of $15,000 in bodily personal liability coverage. Just your medical expenses could be worth more than that.
If you have been hit by an uninsured or underinsured driver, what can you do then?
What are you options to compensate the damages after an Accident with an Uninsured Driver?
In the situation that you are in an auto accident with an uninsured or underinsured motorist, you do have options. 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. In the event that a person hits you and they are not insured or underinsured, this policy protects you. On a similar issue, the policy known as the Uninsured Motorist Vehicle Damage Coverage will give you the ability to protect your 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. Regardless of the cause, another kind of insurance coverage is possible, such as collision coverage that will cover property damage. In some situations you may also have to depend on your health insurance coverage.
Work with lawyer Ryan Sargent today, so that you can go over all insurance policies that are available to you and be able to identify coverage options that will be able to help. For help in getting through this complicated event, contact us today. Contact us by calling 855-209-3997.