Have you been involved in an accident with an uninsured driver in Los Angeles, CA? Now is the time when the uninsured motorist coverage you added to your insurance policy will be helpful. M&Y Personal Injury Lawyers can help you exhaust your insurance benefits and seek any other damages that may be available to you.
Our car accident lawyers in Los Angeles have been fighting for crash victims like you since 2013. Collectively, we have more than a century of experience and have won more than $400 million in life-changing compensation for our clients.
Put yourself on level ground with your insurance company and other parties. Call our Los Angeles law office and get our award-winning legal team in your corner. We offer a free consultation, so contact us or call (877) 300-4535 today for help with an uninsured motorist claim.
How Our Los Angeles Car Accident Lawyers Can Help With Your Uninsured Motorist Claim
Uninsured motorist coverage is something you added to your personal car insurance policy. So getting the benefits you deserve should be easy, right? Not so fast. Just because it’s your insurance company doesn’t mean it’s on your side or has your best interests at heart. It’s really just interested in profits and raking in as much money as possible.
So, if you go to file a claim, expect resistance every step of the way.
That’s where our Los Angeles car accident attorneys can help.
The attorneys at M&Y Personal Injury Lawyers stand up to insurance companies in Los Angeles, California every day. We give our clients a platform and a voice – and help them recover life-changing compensation in the process.
When you choose our law firm to represent you after a car accident with an uninsured driver, we will:
- Investigate your accident to determine who, other than the hit and run driver or uninsured motorist, might be at fault
- Determine all available sources of compensation
- Bring in experts to help us build and value your case
- Defend against allegations that you share fault for your accident
- Handle negotiations with other parties – including your insurance carrier – to get you the best possible settlement deal
If you aren’t extended a fair settlement, our Los Angeles personal injury lawyers will be ready to take your case to trial.
We are here to help you get full compensation for your medical bills, loss of income, and other damages. Call our law office today for immediate assistance after your motor vehicle accident.
Isn’t Car Insurance Mandatory in California?
Anyone who owns and operates a motor vehicle in California is legally required to have car insurance. State law sets minimum amounts of insurance coverage that must be purchased before a driver can hit the open road. Unfortunately, not all drivers have insurance. Some have insurance, but not quite enough to meet state minimum requirements.
In fact, the Insurance Information Institute estimates that 16.6 percent of California drivers are uninsured. Based on that statistic, California ranks 10th in the nation when it comes to uninsured motorists.
Fortunately, just because a driver is uninsured doesn’t mean that you’re out of luck if you get into an accident with them. This is especially true if you opted to add Uninsured Motorist Coverage to your car insurance policy.
What is Uninsured Motorist Coverage?
Uninsured motorist coverage is an add-on to your auto insurance policy. It helps protect you if you are involved in a traffic accident with a hit and run driver or an uninsured (or underinsured) motorist.
Insurance companies in California are required to offer UIM when you buy a car insurance policy. You can opt out and decline the additional coverage, but you’ll have to do so in writing.
There are three main types of uninsured motorist coverage:
- Uninsured motorist bodily injury (UMBI)
- Underinsured motorist coverage (UIM), and
- Uninsured motorist property damage (UMPD).
UMBI covers the cost of your injuries (or a passenger’s injuries) up to your policy limits. UIM covers the difference between what the underinsured driver’s policy will pay and what your injuries actually cost. UMPD covers the cost of property damage up to $3,500, but only if the at-fault driver can be identified. UMPD might not be necessary if you have collision coverage.
What Happens If My Damages Exceed What My Uninsured Motorist Coverage Will Pay?
You still have options.
You can consider filing a lawsuit directly against the uninsured motorist. However, if they didn’t have insurance, they might not have the money to pay you for your injuries – even if you win your lawsuit.
Alternatively, you can file a lawsuit against anyone who directly or indirectly contributed to your crash. This could be another motorist on the road, a pedestrian, a passenger, a manufacturer, or a negligent third party’s employer.
Our Los Angeles car accident lawyers will carefully review your case from every angle. We’ll do our best to identify anyone who might be at fault and liable for your injuries. Under California’s pure comparative negligence rule, anyone who contributes can be held accountable (up to their degree of fault). We will work to ensure that you’re awarded maximum compensation, despite any roadblocks or hurdles that might arise.
Schedule a Free Consultation with Our Los Angeles Car Crash Lawyers to Discuss Your Uninsured Motorist Claim
Have you been injured in a hit and run accident or hit by an uninsured driver in Los Angeles, CA? Call M&Y Personal Injury Lawyers for help. Our Los Angeles car accident attorneys can help you file a claim with your insurance carrier and seek damages in a third-party lawsuit (if possible).
We offer a free case evaluation and are standing by to help 24/7/365. Give us a call or contact us online to get started now.