When you are in an accident that isn’t your fault, don’t assume that the other driver’s insurance coverage will pay for your property damage, medical bills, time lost from work, and pain and suffering. You may not receive sufficient compensation if the other driver doesn’t have enough insurance coverage to pay for your damages or, even worse, he or she does not have insurance at all.
In California, individuals are only required to carry property damage liability coverage of $5,000 per accident and bodily injury liability coverage of $15,000 per person and $30,000 per accident. These minimum liability insurance limits are usually grossly inadequate to cover your damages, especially in cases involving serious injuries and loss of a loved one. So how do you protect yourself from situations where the other driver does not have liability insurance or does not have enough insurance coverage to compensate you for all your damages?
Purchasing uninsured and underinsured motorist coverage is the best way to protect yourself. Uninsured motorist coverage covers your damages when the other driver does not have insurance. Underinsured motorist coverage covers your damages that are in excess of the other driver’s insurance limits. In most cases, underinsured and uninsured motorist coverages can be relatively inexpensive when compared to the required liability coverage.
Even when you have prudently purchased uninsured and underinsured coverages, legal issues will require assistance from an experienced and reputable auto accident attorney. If the other driver or the police report says that you were at fault, you may have to prove otherwise in court, which makes matters much more complicated. Thus, the expert advice and guidance of an auto accident attorney in Los Angeles is crucial to your recovery of all the compensation you deserve.