Attorney in San Diego 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? Depending on coverage from your own insurance, you do have a few options. This question can be difficult to answer on your own. Ryan Sargent will be able to help you in situations like this as a car accident lawyer in San Diego.
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. 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.
Though the other driver could have insurance, the money awarded might 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 miss work, suffer injuries, and even pursue treatment to cope with pain that you have been suffering. Contrary to you, the other driver responsible for the accident covered the statutory minimum of $15,000. 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?
Your Options to Recuperate Any Damages after an incident with an Uninsured Driver
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. 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. You may also be eligible to receive collision coverage that can cover any kind of property damage that happens no matter the cause. Depending on your health insurance coverage may have to be an option in certain cases.
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 our toll-free number 855-209-3997.