Although bicycling can be a healthy, fun, and convenient way to get around, it can also be very dangerous. Bicycle accidents can result in serious or fatal injuries, leading to expensive medical bills, lost wages, pain and suffering, and many other financial burdens.
At West Coast Trial Lawyers, we often get asked about uninsured drivers who cause an accident. In California, uninsured drivers are on the rise. In general, accidents will create a lot of stress for every party involved. However, when a victim gets into a collision with an uninsured driver, it builds even more stress. Many often wonder how an at-fault motorist can be held accountable if they do not have insurance.
If you were involved in an accident with an uninsured or underinsured driver, our qualified bicycle accident attorneys are available 24/7 to offer legal assistance. We will review your case to determine necessary courses of action to ensure you get the compensation you deserve.
Uninsured/Underinsured Motorist Coverage (UM/UIM)
Under California law, motorists are required to have auto insurance that includes the minimum of $15,000 for bodily injury or death per individual, $30,000 for total bodily injury or death per accident, and $5,000 for property damage. Oftentimes, a driver may choose to drive a vehicle without having auto insurance as they are unable to afford paying monthly for it. However, California’s Low Cost Auto (CLCA) Insurance program offers assistance to drivers by cooperating with auto insurance companies to ensure that California drivers are able to afford paying monthly for insurance.
Although these resources are available to make paying for auto insurance less of a financial burden, many drivers still refuse to have it. This is particularly why it is encouraged to have uninsured/underinsured motorist (UM/UIM) coverage to keep yourself financially safe from these types of drivers.
UM/UIM coverage helps compensate for your damages if you are hit by a driver who is uninsured or underinsured. An uninsured driver is someone who does not have any form of car insurance. An underinsured driver is someone who has little to no coverage available to pay for the damages they have caused. If you find yourself involved in an accident with either type of driver, your UM/UIM coverage will kick in to cover the damages.
West Coast Trial Lawyers Is Here to Help
If you have sustained injuries as a result of a bicycle accident, you have the right to hold the guilty party accountable. Our skilled bicycle accident attorneys at West Coast Trial Lawyers can help you recover compensation for the losses you have suffered, including medical bills, property damage, lost wages, and pain and suffering from your injury.