The next time you are on the road, take a moment to count the cars you see. When your count reaches seven cars, stop and think about this: according to one study in 2013, as many as fifteen percent of the 26,000,000 drivers in California have no insurance. That roughly equates to one out of every seven cars on the roads with you every day, including many drivers who dropped their coverage in 2007 and 2008 to save money when the recession hit California the hardest. What happens if you find yourself in an accident with one of these drivers?
The costs of an auto accident can be high. Your car will most likely need repairs or replacing. You could suffer injuries that require expensive medical attention. You might also lose wages from the days on which you were unable to work.
California only requires drivers to purchase $15,000 of liability insurance, which might not be enough to cover all of your losses. Even worse, where the driver that hits you has no insurance, you will likely not be able to recover anything at all.
Fortunately, if you are a California driver, you can purchase coverage from your own insurance company to protect against uninsured and under-insured motorists. This coverage is an optional addition to the liability insurance you must have as a driver in this state, and in many cases, will provide coverage to you even if you are not in your car when the accident occurs. The purpose of this coverage is to bridge the gap between what you receive from the other driver, and the total losses you have suffered. With so many uninsured or under-insured motorists on California’s roads, this coverage is an absolute necessity for your peace of mind and to guard against the possibility of recovering nothing for your pain, suffering, and losses as a result of an accident with one of these drivers.
However, just because you have the coverage does not mean that you will not have a potential battle ahead of you. Before your insurance company will pay on an uninsured motorist claim, you must clear a number of hurdles. Overcoming these hurdles can be complex and usually require the assistance of an experienced personal injury attorney.
Furthermore, even if you do not have uninsured/under-insured coverage, you still have the option to recover damages directly from the uninsured motorist. Whatever the case may be, however, it is always better to have a knowledgeable and skilled attorney on your side. Recovering damages from an individual with little or no insurance can be complex, and having a car accident attorney guide you through the process can save you time and money.
Contact a Jamal Injury Law As Soon As Possible If you are the victim of a car accident with an uninsured or under-insured driver, it is imperative that you seek the assistance of an attorney immediately. Contact Jamal Injury Law now for your free consultation. You can discuss your case with attorney Sully Jamal by calling 714 – 907 – 1021. You can also complete the “Contact Form” and we will contact you shortly.