Lawyer in Murrieta for Automobile Crash 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 Murrieta.
Uninsured Drivers in California – The Facts
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.
However, that money might not even cover everything, even if the other driver in the accident does have insurance. 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.
So what are you able to do if you are in a car crash with an uninsured or underinsured driver?
What to do to recover damages when you have been in a car crash with an Uninsured Motorist
In the situation that you are in an auto accident with an uninsured or underinsured motorist, you do have options. In the state of California, you are allowed to obtain uninsured and underinsured vehicular coverage (UM/UIM), known also as Uninsured Motorist Bodily Injury Coverage, this gives you a value that is equal to a maximum liability policy you already carry. This kind of policy will protect you if you are in a situation where you are hits by a motorist who is not insured or underinsured. 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. 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. Contact us soon so that we can help you with this difficult time in your life. Call 855-209-3997.