Any car accident that causes injuries creates a difficult situation. However, matters become even more complicated when the at-fault party has insufficient insurance or no insurance at all. How will you get the money you need for your medical bills, lost wages, and other damages? That’s where a Sacramento personal injury lawyer can help.
The experienced attorneys at Triumph Law are here to help you understand your compensation options after one of these unfortunate accidents. Our personal injury law firm has over two decades of experience negotiating fair settlements for our clients and can take the at-fault party to court if necessary.
Contact our Sacramento car accident lawyers for a free consultation.
How Uninsured and Underinsured Motorist Claims Work in California
Uninsured and underinsured motorist (UM/UIM) coverage is for collisions caused by a driver who does not have auto liability insurance or whose insurance does not fully cover the damages. The state of California requires the provision of uninsured motorist coverage for auto liability policies, although it can be voluntarily declined in writing.
Types of UM/UIM coverage available in California include the following:
- Uninsured motorist bodily injury
- Uninsured motorist property damage
- Underinsured motorist
To collect from a UM/UIM policy, you must have been struck by a vehicle. However, you do not need to be inside a vehicle for the coverage to apply; UM/UIM coverage is also available for pedestrians. You could be standing outside the car, looking under the hood, or pumping gas.
You may be eligible to recover uninsured or underinsured motorist compensation through your own insurance company. The key to recovering a settlement from a UM/UIM policy is establishing that the liable party either has no insurance or does not have enough insurance to cover the costs of your injuries.
California Drivers Are Required to Have Insurance
California requires all motorists to obtain car insurance before registering their vehicles. This regulation protects drivers from financial damage associated with car, truck, and motorcycle accidents.
California Insurance Code § 11580.1 stipulates that liability insurance must be provided, with policy amounts no lower than $15,000 for injuries or death of a single person, $30,000 for multiple persons’ injury or death expenses, and $5,000 for property damage coverage.
These are the minimum amounts required by law; however, drivers may need to secure more coverage as the above figures may not adequately cover all costs incurred during an accident.
Proof of Insurance
Drivers must provide proof of adequate auto insurance when registering their cars with the Department of Motor Vehicles (DMV). If they do not fulfill this requirement, the DMV will suspend their registration, and they will be prevented from legally driving the car on public roads.
Without insurance and proper documentation from the DMV, any motorist risks serious penalties when caught operating a vehicle on public roads in California. Unfortunately, many California drivers still allow their insurance to lapse after registering their vehicles.
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Having the Right Insurance Coverage Isn’t Always Enough
Having uninsured and underinsured insurance coverage can be an important part of protecting yourself and your assets in the event of an accident. However, sometimes having this coverage is not enough.
For those unfortunate car accident victims in Sacramento who find themselves in this predicament, dealing with their insurers can be difficult and time-consuming. Insurance companies are in the business of making money and, as such, tend to fight for every penny they dole out.
Even if you’re the best customer your insurer has ever had, they could still challenge any claims you make or blame the other involved parties to avoid paying you. While insurance adjusters may seem friendly, they may not have your best interests at heart.
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A Sacramento Car Accident Attorney Can Help
Uninsured and underinsured motorist accidents can be complex and expensive and often leave those affected feeling helpless. However, assistance from an attorney from our law firm, who specializes in these situations, can lead you down the path toward justice after a crash.
We have a compassionate approach to helping individuals navigate the aftermath of an accident and can evaluate your case for free. Victims generally have a better chance of a positive outcome when they partner with a reputable law firm.
We handle personal injury cases on contingency, which means you don’t have to pay upfront for our services.
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Contact Triumph Law for a Free Consultation
When dealing with underinsured or uninsured drivers, recovering the full amount you’re entitled to can be challenging. An attorney from Triumph Law can help. Our uninsured and underinsured car accident attorneys in Sacramento have a deep understanding of California law and will fight tirelessly to protect your rights and interests.
Don’t let the financial burden and stress of an underinsured or uninsured car accident weigh you down. Instead, let us guide you through the legal process, ensuring you receive the maximum compensation possible for your injuries and losses. Contact us today for a free case evaluation.
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Our Dedicated Team of Lawyers are ready to help you understand your rights. There could be ample compensation waiting for you. It is just a matter of filing an effective claim for it, which is where we can step in and take over.