Last Updated: November 8, 2024
Knowing how to navigate the aftermath of a car accident can make a significant difference in the outcome of your claim. Many drivers understand the importance of obtaining the other driver’s contact and auto insurance information as the first step to securing compensation for their losses. However, despite being required by law in most states, the driver who hit you may be uninsured and unable to compensate you fairly.
If you’ve been injured in a collision with an uninsured driver, understanding uninsured motorist coverage is essential to recovering compensation for your injuries and losses. At the Auto Accident Team, we understand that accident victims need to know their rights and legal options. Our network of experienced car accident lawyers are committed to pursuing justice and securing the compensation you deserve. With a proven track record of achieving the best possible outcomes for our clients, we are ready to connect their experience to your case.
Underinsured and uninsured motorist (UM/UIM) coverage are essential types of car insurance all drivers should consider. Uninsured motorist coverage pays for property damage and medical expenses if you’re injured by an uninsured driver. On the other hand, underinsured motorist coverage can provide compensation for injuries and damages that exceed the limits of the other driver’s policy.
These coverages protect you not only when you’re driving but also as a pedestrian, bicyclist, or even as a passenger in another vehicle. UM/UIM coverage also provides protection in hit-and-run incidents as long as there is physical contact between your vehicle and the hit-and-run vehicle.
Before pursuing an uninsured motorist claim, it is essential to understand the two primary coverage types: bodily injury and property damage.
Bodily injury coverage is designed to compensate accident victims for medical expenses, lost income, and pain and suffering damages.
Meanwhile, property damage coverage pays for repairs to your vehicle. Having an understanding of these coverages can safeguard you from others on the road, even if they choose to act irresponsibly.
In California, victims are only able to claim uninsured and underinsured motorist coverage if the other party’s liability policy covers less than your UM/UIM coverage. For example, if the at-fault driver’s liability policy and your UM/UIM policy have equal coverage amounts, you would be ineligible for benefits through UM/UIM. However, if you had $30,000 in UM/UIM coverage and the at fault driver had a $20,000 liability policy, you may be able to claim up to $10,000 in compensation from your insurance.
UM/UIM policies have requirements and certain conditions, similar to your normal auto policy, that must be fulfilled for coverage to apply. Additionally, some policies require that UM/UIM claims be resolved through mediation or arbitration rather than through the legal system. It’s crucial to review the details of your policy and partner with an experienced attorney that understands the necessary steps to pursue a successful UM/UIM claim.
Working with an experienced attorney enhances your chances of a successful UM/UIM claim, ensuring you receive the compensation you need to recover from your accident-related losses.
If you have been injured by an uninsured motorist, you deserve compensation for the full extent of your injuries and other losses. At the Auto Accident Team, our network of attorneys is committed to fighting aggressively to secure the compensation you deserve. With a proven track record of helping clients achieve the best possible compensation, you can trust that a skilled legal professional will handle every aspect of your case.
To schedule a complimentary case review with a trusted car accident attorney, call us at (877) 236-2391 or complete our contact form today.
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