Hit By An Uninsured Motorist? What You Can Do

Although California law explicitly requires that every driver must hold current and valid car insurance, some estimates suggest that approximately 20 percent of drivers are driving without insurance, in violation of California law. As such, it is wise for California motorists to carry uninsured motorist coverage which will provide you with the monetary compensation that you deserve for your physical injuries, medical expenses and lost wages in the event of an accident with an uninsured motorist.

Auto insurance law is complicated enough, without the added element of an uninsured driver. Insurance adjusters may try to offer you an inadequate settlement in order to avoid a lawsuit. Do not accept any offers or sign any paperwork without first consulting your attorney. Contact an attorney at Piering Law Firm in Sacramento to discuss your case before you sign anything or make any statements to an insurance company.

Understanding Uninsured And Underinsured Motorist Claims

The lawyers at the Piering Law Firm have extensive experience representing clients who have been injured in automobile accidents. Vehicle accidents can result in damage to your automobile, serious injuries and substantial medical expenses. When the driver who caused the accident does not have insurance, recovering damages is more challenging and complex. In these situations, it is especially important to obtain representation from a skilled lawyer.

An uninsured motorist (UM) is a claim you can bring against your automobile insurance company if:

1) You were involved in an accident caused by another driver

2) The driver who caused the accident did not carry any automobile insurance

3) You or the driver of your vehicle had UM coverage at the time of the accident

Similarly, you can bring an underinsured motorist (UIM) claim against your automobile insurance company if:

1) You were involved in an accident caused by another driver

2) The other driver who caused the accident carried liability insurance but your uninsured coverage limits are greater than his liability limits

3) You have collected the policy limit(s) from the other driver's insurance company

Who Is Covered By The Uninsured Motorist Coverage?

Uninsured motorist coverage insures the named insured, the spouse, any occupants in the vehicle and their heirs or legal representatives who are legally entitled to recover as result of damages for bodily injury, including any resulting sickness, disease or death.

Contact the Piering Law Firm at 916-596-2761 to schedule your free and confidential initial consultation. All cases are handled on a contingent fee basis, meaning there is no legal fee charged until we recover for you. Talk with an ethical and dedicated lawyer committed to your recovery. We will be with you all the way.