Attorney in Oceanside 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? Luckily, you have a few options contingent on your own car 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 Oceanside.
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. While this is the case, in 2012 there were over 4.1 million uninsured drivers, according to the Insurance Research Council, thus making California a remarkably terrible place to have an automobile accident.
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 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. 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
There are possibilities in the event that you are in a wreck with an uninsured or underinsured driver. In an amount equal to a maximum liability policy that you have in reach, you are able to purchase uninsured and underinsured vehicle coverage in California; this is also known as Uninsured Motorist Bodily Injury Coverage. This policy looks after you in case you are in an accident with an uninsured or underinsured driver. On a similar issue, the policy known as the Uninsured Motorist Vehicle Damage Coverage will give you the ability to protect your 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. Depending on your health insurance coverage may have to be an option in certain cases.
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. Call our toll-free number 855-209-3997.