It’s the law. Plain and simple. You drive. You have insurance. But it’s amazing how many people don’t follow this most basic of driving laws. In fact, it’s estimated that as many as one in five Californian drivers drives without any auto insurance. And yet another one in five drivers has just minimal coverage.
What does this mean? If you’re involved in an accident with a driver with no coverage or with minimum coverage, you’re going to want to contact an experienced uninsured motorist accident attorney. The Law Offices of Elliott N. Kanter are here in San Diego and ready to help you during this most confusing of times.
Fight for your rights. Call the Law Offices of Elliott N. Kanter for a no-cost, no-obligation consultation.
GET FAMILIAR WITH YOUR INSURANCE COVERAGE
If you’ve already purchased auto insurance coverage in California, you were offered uninsured motorist coverage. Did you take it? Not sure? Go check your insurance policy and become familiar with it. You may have also purchased underinsured motorist coverage. It’s important that you know what is included in your insurance policy.
The time to review your insurance is before an auto accident.
WHAT HAPPENS IF YOU GET IN AN ACCIDENT WITH AN UNINSURED MOTORIST
If you’re at the scene of an accident and the other driver says they have coverage, you really can’t be sure. If you’re the victim in an uninsured driver accident, you’re going to have trouble seeking compensation from someone who’s probably unable to pay. Who’s going to end up paying? Your insurance company. And that’s something they want to avoid.
That’s why you need to call an experienced car accident lawyer. It takes a knowledgeable legal professional to make sure you’ll get the settlement you deserve. Only with professional service are you going to get what you are owed. Contact the Law Offices of Elliott N. Kanter to schedule your free legal consultation with a personal injury lawyer today. The sooner you make the call, the faster Elliott N. Kanter can begin defending your rights and fighting to achieve the best possible outcome for your case.
WHAT ARE THE INSURANCE REQUIREMENTS IN CALIFORNIA?
The state of California requires that all vehicles which operate or park on California roadways be insured, but unfortunately, not every driver abides by this law. Drivers must carry evidence of their insurance in their vehicles at all times and present it when requested by law enforcement, renewing their registration or to the other party after a car accident.
In California, there are also minimum liability insurance requirements that all drivers must follow, but unfortunately, not all of them do. Liability insurance is designed to compensate a person other than the policyholder of the insurance. Every driver on the road should have a minimum of $15,000 of coverage for injury or death to one person, $30,000 of coverage for injury or death to multiple people, and $5,000 of coverage for damage to property. These minimum requirements ensure that all drivers on the road are protected after car accidents and are not stuck with thousands of dollars in expenses to pay for their medical bills or property damage.
Remember, these are just the minimum requirements. Policyholders are free to purchase a policy that covers more than these recommended limits to protect themselves in the event of a tragic car accident. For example, if you cause an accident that seriously damages the other driver’s car, your insurance policy should cover expenses for the other driver. But, if you only have $5,000 in property damage coverage, and the total cost of the repairs comes out to $6,000, you will be held liable to pay the balance.
WHAT ARE THE OTHER TYPES OF INSURANCE COVERAGE?
There are three other types of coverage you should know about before choosing an insurance policy: Uninsured motorist bodily injury (UMBI), Underinsured motorist (UIM), and Uninsured motorist property damage (UMPD).
Uninsured motorist bodily injury insurance covers the injuries for you and anyone else who is in your vehicle during an accident caused by an uninsured driver. If you have this added to your plan, the limits will be the same as the limits for your liability coverage.
Underinsured motorist insurance limited costs for bodily injury if you are involved in a car accident with another driver who does not have adequate insurance.
Finally, uninsured motorist property damage insurance pays for the damage to your car after an accident caused by an uninsured driver. It is important to note the limit for this type of insurance is only $3,500 and it is only payable if you are able to identify who the uninsured driver is.
THE IMPORTANCE OF ADDITIONAL INSURANCE COVERAGE
Every driver on the roads in California should seriously consider adding these three types of insurance coverage to their plans if they haven’t done so already. Having insurance is a law, but that doesn’t mean everyone on the road will follow it. It’s smart to protect yourself and your loved ones by planning ahead with this uninsured and underinsured motorist coverage.
Remember, if you have already been injured in an accident and an uninsured or underinsured driver is at fault, speak with an accident attorney as soon as possible. These cases can be complex, and often involve a lot of interaction and negotiation with insurance companies. This is not something you want to handle without the help of an attorney who has experience in this field of work. Contact the Law Offices of Elliott N. Kanter by phone or visit our website to fill out an online form to schedule your free legal consultation.
GET HELP FROM US AFTER AN ACCIDENT WITH AN UNINSURED MOTORIST
If your insurance company has to cover the expenses caused by an uninsured driver, you can’t be sure they’re going to be as generous in giving you the amount of compensation you deserve. Don’t file a claim or go through the trouble of dealing with your insurance company without the help of qualified attorneys. Let an experienced San Diego personal injury attorney handle this so you can focus on recovering from your injuries. Our lawyers have over 30 years of experience representing the best interest of our clients in personal injury law cases. Our law firm’s practice areas include car accidents, wrongful death, bicycle accidents, truck accidents, motorcycle accidents, dog bites, slip and fall accidents, pedestrian accidents, and other accidents caused by negligence. You need a lawyer–like a team at our law firm– who will answer your questions, offer you advice, and look out for your best interests. Contact us today by phone or email to speak with one of our accident lawyers.