Uninsured Motorist Accidents in California: Legal Recourse and Compensation

1. The uninsured motorist accidents are those calamities in which drivers do not have any liability insurance. If a driver faces an accident and does not have any insurance they might face certain issues like medical expenses, lost wages, pain and suffering, and property damage. California law requires all drivers to carry liability insurance to protect other drivers in case of an accident. However, not all drivers comply with this law, and an estimated 15% of California drivers are uninsured. If you are involved in an accident with an uninsured motorist, you may be wondering what your legal options are and how you can recover compensation for your injuries.

2. Understanding Uninsured Motorist Coverage Uninsured motorist (UM) coverage is an optional type of auto insurance that can provide financial protection if you are injured in an accident caused by an uninsured or underinsured driver. The coverage pays for your medical expenses, lost wages, and other damages, up to the limits of your policy. In California, all new auto insurance policies are required to include UM coverage, but you can opt out of this coverage. If you have not opted out of UM coverage, your policy should automatically include at least $15,000 per person and $30,000 per accident in UM coverage. However, you can purchase higher UM limits if you want more protection. What to Do After an Accident with an Uninsured Motorist? If you meet with an accident with an uninsured motorist – the further experience will not be a great one for you. It causes loads of financial burden on you and the process of dealing with the insurance company can be complex and frustrating. If you are involved in an accident with an uninsured motorist, it is important to take the following steps: ●Call the police: Even if the accident seems minor, it is important to call the police to get an official report of the accident. The police report will be helpful if you need to file a UM claim. ●Exchange information: Get the name, address, insurance information, and driver's license number of the other driver. If there are any witnesses, get their names and contact information as well. ●Take pictures: Take pictures of the damage to your vehicle, the scene of the accident, and any visible injuries. ●Seek medical attention: If you are injured, seek medical attention as soon as possible. Even if your injuries seem minor, it is important to get checked out by a doctor to rule out any serious problems. ●File a UM claim: Once you have received medical attention, contact your insurance company to file a UM claim. Your insurance company will investigate the accident and determine if you are entitled to UM benefits.

3. Legal Recourse for Uninsured Motorist Accidents In addition to filing a UM claim, you may also have other legal options available to you if you are injured in an accident with an uninsured motorist. These options may include: ●Suing the uninsured motorist: You can sue the uninsured motorist for your damages. However, this can be a difficult and expensive process, and there is no guarantee that you will be able to collect a judgment. ●Underinsured motorist (UIM) coverage: If you have UIM coverage, your insurance company may pay for your damages if the at-fault driver's liability insurance limits are not enough to cover your full losses. ●Med-pay coverage: Med-pay coverage is an optional type of auto insurance that pays for your medical expenses, regardless of who is at fault for the accident. How Sunset West Legal Group California Can Help? If you have been injured in an accident with an uninsured motorist, you should contact an experienced attorney to discuss your legal options. An attorney can help you file a UM claim, negotiate with your insurance company, and represent you in court if necessary. Sunset West Legal Group California is a team of experienced attorneys who have a proven track record of success in helping victims of uninsured motorist accidents recover the compensation they deserve. We offer a free consultation to discuss your case and answer any questions you may have. Final Verdict Being involved in an accident with an uninsured motorist can be a stressful and confusing experience. However, it is important to know that you have legal options available to you. With the help of an experienced attorney, you can recover the compensation you deserve for your injuries. For More Information Please Visit Our Website: https://www.sunsetwestlg.com/