A car accident can change your life in an instant. One moment you’re thinking about the plans you’ve made and the next an uninsured or underinsured motorist turns your life upside down. When that crash occurs, you’re faced with your own injuries as well as the stress and anxiety of worrying about medical bills, car repairs and injuries to your passengers.
If the negligent driver or their insurance company won’t pay, you could find yourself in a tough financial situation. That’s why it’s important to work with an experienced California automobile accident attorney. Mr. Johnson has recovered more than $97 million for his clients. Contact our offices for a free uninsured accident consultation today.
Uninsured and Underinsured Motorist Coverage
The California Insurance Code requires every auto insurance company to offer uninsured motorist coverage. Under section 11580, policies issued in California include uninsured motorist caps equal or less than the overall policy limits. Uninsured motorist options provide monetary protection for drivers against people without coverage and incidents such as hit-and-run collisions. The good news is that unless you signed a waiver, you probably have this coverage.
With uninsured motorist coverage, your policy extends to any passenger in your automobile or drivers you allow to use your vehicle. When a gap exists between a careless driver’s coverage limits and the costs of medical bills, auto repairs and other losses, your underinsured motorist coverage can make up the difference. In many cases, insurance carriers provide uninsured and underinsured coverage as a package because they play similar roles.
Medical Payment Protection
Many insurance policies are written in technical jargon some people refer to as “legalese.” That makes it difficult for the average person to understand exactly what is and is not covered. Medical Payments generally cover the expenses associated with hospital bills, medical treatment, rehabilitation costs and funeral expenses among others. Your medical payments coverage pays for these losses regardless of which driver was at fault in an accident.
Our experienced California personal injury attorneys can translate this confusing document into common sense language for English and Spanish speaking people, and identify your precise claim options. We’ll then move forward with a claim on your behalf.
Handling a Claim When in an Accident with Uninsured Driver in California
It’s important to work with an experienced car accident lawyer when dealing with big insurance corporations. They turn a profit by taking in money for premiums and not paying claims that negatively affect their bottom line.
Carriers commonly try to underpay or reject claims entirely on technicalities. These unsavory tactics apply to uninsured and underinsured claims. Getting big corporations to pay their fair share often requires a carefully prepared claim that makes a strong case for fair and full compensation. When insurance companies are unreasonable or don’t take responsibility, we won’t hesitate to pull them into the legal process and get you the compensation you deserve.