Attorney in Escondido 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? In this event, you are fortunate that you have options that are dependent on your own automobile insurance coverage. This can be a very complicated question and is not one you should try to figure out by yourself. Ryan Sargent will be able to help you in situations like this as a car accident lawyer in Escondido.
Facts on California Uninsured Drivers
According to California law, every driver is required to have a minimum of $15,000 per person and $30,000 per accident in personal injury liability coverage and 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.
Though the other driver could have insurance, the money awarded might not cover everything. Consider this situation: sitting at a red light, the car behind you ran into you. You miss work, suffer injuries, and even pursue treatment to cope with pain that you have been suffering. Meanwhile the other driver who caused the accident was only able to cover the minimum payment 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
After getting into a car crash with an uninsured or underinsured driver, you do have a few 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.
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.
However, the UM/UIM protection is not required to have, so you may have to double check to see if it is already on your policy. There is also other insurance coverage that may be available to you, such as collision coverage that will cover property damage regardless of fault. In some cases, you might have to rely on your health insurance coverages.
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. Contact us soon so that we can help you with this difficult time in your life. Call 855-209-3997.