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Home / Areas We Serve / Folsom Personal Injury Lawyer / Car Accidents / Underinsured Uninsured Motorists

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Folsom Underinsured Uninsured Motorists Lawyer

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Accidents Caused by Drivers with Not Enough Insurance

Based on some estimates from groups like the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council (NSC), more than 10% of all drivers on the road are either uninsured or underinsured. This means that when you get into a car accident, you have a not-insignificant chance of being hit by someone who can’t pay for your damages in a meaningful way. If this has already happened to you, then you’re assuredly wondering what you’re supposed to do next.

If you live in Folsom, pick up the phone and dial (916) 500-0000 to connect with Triumph Law, P.C.. Our underinsured/uninsured motorist accident attorneys would be happy to assist you with all aspects of your case, which can be a bit windy when the liable party has no insurance. Even though it might seem unlikely now, there are ways for you to make a recovery. You just need to know how, and that’s where our team can step in and take over.

For a free consultation, contact us at any time.

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    Underinsured Drivers Compared to Uninsured Drivers

    When a driver is underinsured, they have an auto insurance policy to provide for some of your damages, but it caps out before all of your damages are paid. An underinsured motorist is not violating any laws by carrying the minimum amount of auto insurance required by the state, but they can still make your life complicated if they crash into you.

    On the other hand, an uninsured motorist is a driver who has no insurance at all. Drivers often become uninsured because they cannot afford to renew their auto insurance policy, or their policy was revoked due to a history of unsafe driving behaviors. In any case, it is unlawful in California to operate a motor vehicle without auto insurance.

    How to Get Compensation from an Uninsured Motorist

    When an uninsured motorist causes a car accident, you might have two options to recover compensation:

    • UM/UIM insurance:Uninsured/underinsured motorist (UM/UIM) insurance policies are designed to get you compensation after being hit by a driver who can’t pay for your damages through their own insurance policy. To get UM/UIM coverage, you have to purchase the policy from your auto insurance company as an add-on monthly premium. When using it, you will file a first-party claim, which means you file against your insurance provider, rather than the insurer of another driver.
    • Filing directly against the driver:In rare situations, you might be able to file directly against the driver. Essentially, you will sue them for money out of their personal finances or assets. This approach is typically not used because drivers who don’t have auto insurance often don’t have any money to surrender through a lawsuit. You should always speak with an experienced accident attorney first to see if it would even be worth pursuing this option.

    Remove Uncertainty & Move Forward with Our Help

    It is natural to be uncertain about your financial future after you were injured by a driver with little or no insurance. Get the answers you need about your situation so you can feel confident about your future by teaming up with our firm. You can trust in the extensive experience of our Folsom UM/UIM accident attorneys!

    Please feel free to talk to our team. Dial (916) 500-0000 today.

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    Car Accidents Practice Areas

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    Triumph Law, P.C., A Law Firm Dedicated To Your Triumph

    Our Roseville car accident attorneys are ready to help you understand your rights after being hit by a negligent driver. 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.

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    Folsom Car Accidents Blog Posts:

    Folsom Underinsured Uninsured Motorists Lawyer Triumph Law, P.C. Promotes Safe Driving at Folsom Pro Rodeo

    Triumph Law, P.C. partnered with MADD and the Folsom Chamber to promote safe driving during the Folsom Pro Rodeo over the Fourth of July weekend. Every year, our firm assists many clients who come to

    MADD banner on fence Triumph Law, P.C. Presenting Sponsor of 2022 Sacramento Walk like MADD Event

    Sacramento Walk like MADD (Mothers Against Drunk Driving) is a fundraising event that helps MADD raise funds for and awareness about eliminating drunk and drugged driving. This year, Triumph Law, P.C.

    Folsom Underinsured Uninsured Motorists Lawyer Triumph Law, P.C. to Sponsor Folsom Pro Rodeo

    Polish those spurs and dust off your hats, the 60th annual Folsom Pro Rodeo kicks off July 1-3 in Folsom, California, this year! With so much to do and see at this year’s event, we at Triumph Law,

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