Lawyer in Temecula for Car Wreck 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. You should not try to figure out this situation on your own, as it can be very complicated. Ryan Sargent will be able to help you in situations like this as a car accident lawyer in Temecula.
Facts on California Uninsured Drivers
In California, the law ensures that every driver is to have a minimum of $5,000 for property damage coverage, $30,000 per incident in personal liability coverage, and a minimum of $15,000 per person. 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 pursue medical treatment to deal with pain, you sustain injuries, and you miss your work. 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.
So what are you able to do if you are in a car crash with an uninsured or underinsured driver?
Your Options to Recuperate Any Damages after an incident 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 policy looks after you in case you are in an accident with an uninsured or underinsured driver.
In order to also protect your property, the Uninsured Motorist Vehicle Damage Coverage policy exists.
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.
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. For help in getting through this complicated event, contact us today. Contact us by calling 855-209-3997.