Lawyer in San Marcos for Car Wreck with Uninsured Driver
If you have endured injuries or someone you love has endured injuries from a car crash due to a uninsured driver, what is your next step? 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. Auto accident lawyer in San Marcos, Ryan Sargent, will be sure to help you.
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.
However, that money might not even cover everything, even if the other driver in the accident does have insurance. For instance, while sitting at a red light, a care behind you barrels 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 are you options to compensate the damages after an Accident with an Uninsured Driver?
After getting into a car crash with an uninsured or underinsured driver, you do have a few 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. 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. 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.
Talk to Ryan Sargent, Car Accident Attorney, to run through every insurance policy that may be available to you and detect coverage options that can help you. For help in getting through this complicated event, contact us today. Call 855-209-3997.