While car insurance coverage is mandatory in California, many drivers still hit the road without any. Everyone is supposed to carry minimum liability insurance in case they are at-fault in a car accident, but insurance can be expensive and many people fail to carry even the minimum required coverage. Because of this, it is important for you to consider carrying enough insurance coverage on your own policy to protect you in case you sustain injury or property damage in a car accident involving an uninsured motorist. If you are hit by a driver without any insurance, your best option is to seek compensation for your losses under your own insurance policy.
Uninsured motorist coverage (UM) is something your insurance carrier will offer you. You may seek compensation under your UM coverage if you are hit and injured by an uninsured motorist. When your insurance provider offers UM coverage for your policy, it will usually match up with the amount of liability coverage you carry. You may, however, opt to carry more coverage under the UM portion of your policy than your liability coverage. In the event you sustain serious injuries in a car accident with an uninsured driver, more coverage will mean more money available to you to compensate you for things such as your medical expenses.
If your injuries are so severe that the costs associated with them extend beyond the limit of your UM coverage, you may be able to personally sue that at-fault, uninsured driver to recover more. If the court finds in your favor, a judgment will be entered and the court may order the liquidation of assets belonging to the at-fault party in order to compensate you for your losses. The problem is, however, that, more often than not, uninsured drivers do not have any assets of value. This means that the at-fault party will still not be able to compensate you for your losses.
Seeking proper monetary compensation for the damages you have sustained due to the negligence of another driver can be difficult under the most favorable circumstances. Even seeking compensation from your own insurance provider under your own UM policy can be an uphill battle. Seeking damages from the at-fault party can be very difficult as well. The money you are seeking is critical in helping you pay for what can be quickly mounting medical bills. After you have been involved in a car crash, seek immediate medical attention for your injuries. Be prepared to gather evidence pertaining to the crash such as pictures and police reports. Get a lawyer to help fight for your right to full and fair monetary recovery.
If you have been injured due to the negligent actions of another, you need knowledgeable legal representation by your side to help you recover that which you deserve. Our personal injury attorneys will investigate every possible avenue for monetary recovery. We know what is at stake for our clients and we take this very seriously. Contact us today.