Getting Financial Compensation in Uninsured and Underinsured Motorist Cases

San Diego Car Accident Lawyer

Although California law requires motorists to carry insurance, a large number of drivers do not. When those uninsured motorists cause car accidents or hit a pedestrian or biker, the injured person may rightly be worried about who will pay his or her medical bills.

In many cases, the answer to the question of uninsured motorist liability is “Your own insurance company.”

If you have concerns about how and whether you can bring an uninsured motorist claim, talk with a personal injury lawyer who can explain and protect your rights. Contact Alicia A. Slaughter, Attorney at Law.

What is Uninsured Motorist Coverage?

Uninsured and underinsured motorist coverage is insurance that you carry on your auto insurance policy or umbrella policy. It reimburses you for the costs of your injuries or losses if you are injured by a driver who does not have insurance. This includes hit-and-run accident cases where you don’t know whether or not the driver had insurance.

What is Underinsured Driver Coverage?

Serious personal injuries can be very costly. Even if the other driver had some insurance, it may not be enough to cover the full cost of your medical bills and other losses. If your injury claim is not fully covered, you can bring a claim against your own insurance company to pay the rest (up to the limit of your own policy).

Do You Need an Attorney?

You may or may not need an attorney to bring a claim against your own insurance company, but here are a few reasons why you should consider talking with an experienced personal injury lawyer:

  • Will you get the full amount you are due?
  • Will your insurance company agree that your injuries were caused by the other party? You still need to prove that the accident was not your fault.
  • Who should you bring your claim against? Your auto insurance company or your homeowner’s insurance policy?
  • Were there any unusual circumstances that could allow you to collect damages from another party (which could be the case in a drunk driving accident)

We have recovered millions for clients in car accident, truck accident, and pedestrian accident cases, including cases involving uninsured drivers. Put our experience to work for you! For a free initial consultation, contact us today.