Injured by a Driver Without Adequate Insurance?
Being injured in an auto accident is bad enough. Finding out that the person who hit you doesn't have enough insurance can create added frustration. But depending on your own insurance, uninsured and underinsured motorist (UIM) coverage may be there to fill the gap.
At the law firm of Corsiglia McMahon & Allard in San Jose, we help clients throughout Northern California understand their uninsured and underinsured motorist coverage and pursue the compensation they deserve under their policies.
Contact us today for a free consultation with a knowledgeable lawyer. You will not pay anything unless we help you obtain insurance benefits.
Understanding What UIM Policies Cover
Uninsured and underinsured motorist coverage is a type of auto insurance coverage that is optional in California. If you have this coverage, it is available to cover your medical, financial and other damages for accidents caused by:
- Uninsured drivers: Many people in California drive without insurance, even though they are legally required to have it. This group includes people who cannot afford insurance as well as people, including illegal immigrants, who cannot get driver's licenses.
- Underinsured drivers: Many people who do have auto insurance do not have enough liability coverage to compensate accident victims with catastrophic injuries or the families of those who may be killed in accidents caused by them.
- Hit-and-run drivers: If the person who hit you fled the scene and cannot be found, then it is impossible to seek compensation from his or her insurance company. Uninsured and underinsured motorist coverage also covers accidents caused by hit-and-run drivers.
Uninsured and underinsured motorist benefits should be available to you even if you were not in your car and were injured in a bicycle accident or pedestrian accident.
Pursuing a Fair Outcome From Your Insurance Carrier
Your own insurance company has a legal duty of good faith and fair dealing in response to any claims you make, including underinsured and uninsured motorist claims. However, auto insurance companies are sometimes reluctant to pay out on these claims.
Our experienced personal injury trial attorneys can help you pursue fair compensation from your insurance company for an accident caused by an uninsured, underinsured or hit-and-run driver. Don't hesitate to contact us to discuss your case.
