UNINSURED AND UNDERINSURED MOTORISTS

Personal Injury Attorney in Fairfield Helps Victims of Uninsured & Underinsured Motorist Car Accidents

Car accidents are already a very stressful and difficult time for anyone to go through. If you were involved in an accident, suffered severe injuries, high medical bills, lost wages at work and property damage, the person at fault should be obligated to pay for it. However, imagine, if the other person who was at fault, didn’t have any insurance!

California has a mandatory insurance law, mandating everyone to have automobile insurance if they plan on driving a motorized vehicle on public roads. Unfortunately, many irresponsible motorists remain on the road without any automobile insurance.Resulting in an inability to pay for damages when being at fault of an accident. Even though the law requires it, there are those who are uninsured or underinsured and it’s important you contact a personal injury attorney in Fairfield for legal help immediately if you’ve been a victim of an underinsured motorist accident.

What to do if you’re hit by an uninsured motorist in California

There are around 4.1 million drivers in California that are uninsured! Meaning, half of all accidents in California may involve at least one uninsured or underinsured motorist. The first thing you need to do if you’ve been involved in any type of accident, is seek medical attention if you’ve been hurt badly. Next, you need to figure out if you carry uninsured motorist coverage, and if it applies to your case. An attorney would be best to give you advice here.

“Uninsured motorist” coverage refers to protection in the event that a negligent vehicle operator without any insurance at all causes injury to the person who owns that coverage. It provides the same type of protection in cases where a negligent person does not have enough of their own auto insurance coverage to pay for all of the damages sustained by the insured person who owns the underinsured motorist coverage.

Some things you need to know about uninsured motorist coverage:

• It will only provide you with coverage if you are not at fault for the accident
• Coverage can come from the same insurance company you use for your liability coverage
• A claim must be filed with your insurance company within two years
• Insurance companies are prohibited by law from offering less coverage and less protection than is required by California’s statute
• Protection is extended to the “insured” person, not just the vehicle. That means you are protected if you are hit while walking, riding a bicycle or motorcycle
• There are various exemptions to the law, but in the vast majority of situations, if you have uninsured or underinsured motorist coverage, you will be protected against the negligent acts of those uninsured.

Make sure to contact an experienced personal injury attorney in Fairfield who can help you. Every case is different, and it requires legal representation for best compensation.

Think of these types of cases as any other case in which you would be suing someone for negligent behavior. If you’ve suffered substantial losses, you can be compensated for:

• Medical bills
• Loss of earnings
• Loss of earning capacity
• Daily suffering
• Physical injuries
• Emotional distress
• Loss of enjoyment of life
• Contact a personal injury attorney in Fairfield immediately for help.