Being hit by a careless driver can be one of the most difficult and traumatic experiences of your life. You may be suffering from painful injuries that make a physical, emotional, and financial impact on you and your family. Additionally, you may have lost time and earnings from work and your vehicle may need substantial repairs or may have been completely destroyed in the accident. With so much to deal with, the last thing you want to discover is that the person at fault for your injuries did not have automobile insurance at all or did not have enough insurance coverage to compensate you for your losses. These situations are complicated and are best handled by a skilled Riverside car accident lawyer who knows how to secure a fair settlement in uninsured and underinsured motorist claims.
In the state of California, all automobile insurance companies are required to offer uninsured or underinsured motorist coverage to their policyholders. In many situations, the amount of coverage for uninsured/underinsured motorists will be equal to the liability limits of your auto policy. When you are involved in an automobile accident, if the party at fault has no insurance or has insufficient coverage to cover your losses, you may be able to recover compensation from your own insurance carrier if you purchased uninsured/underinsured motorist coverage.
For example, if your injuries from the car accident total $50,000 and the at-fault driver only carried a $25,000 auto liability policy, you will need to file an underinsured motorist claim with your insurance company to recover the difference. It is important to understand, however, that your insurance company will only pay the difference in your damages, up to the amount of your underinsured motorist policy limit. This means that if you had a $50,000 underinsured/uninsured motorist policy you would be entitled to collect the full $25,000 difference from your insurance carrier along with $25,000 from the insurance carrier for the at-fault driver. If your underinsured/uninsured policy limit was $30,000, you would first collect $25,000 from the at-fault driver’s policy and then only be able to collect $5,000 from your own carrier.
In addition to filling the gap in an underinsured motorist claim, your underinsured/uninsured motorist policy comes into play when you are injured by an uninsured driver or are involved in a hit and run accident where the at-fault driver cannot be located. In these situations, your uninsured motorist policy will pay for your injuries up to the amount of your policy limit.
Underinsured/uninsured motorist policies will typically cover any passengers in your vehicle and, depending upon the specific language of your insurance contract, the policy may also apply if you are a pedestrian or bicyclist injured by a careless driver. Because the contractual language can be difficult to navigate, it is best to work with an experienced Riverside car accident lawyer who can review the terms of your insurance contract and make certain that you are receiving full and fair compensation.
Underinsured and uninsured motorist claims can be complex. If you have questions about your automobile insurance coverage or have been injured in a car accident involving uninsured or underinsured motorists, schedule a free consultation with the legal team at West Coast Trial Lawyers today. Our lawyers understand the unique challenges associated with these types of claims and will advocate to recover the full compensation to which you are entitled. Contact us today by emailing [email protected] or calling us toll free at (888) 888-9285.