San Diego Uninsured Motorist Accident Lawyers

Advocating for Proper Compensation After a Crash

Car accidents are stressful situations for victims to try to find some means to cover the cost of their injuries and property damage. If an at-fault driver has a sizable liability policy, then the victim may be able to pursue an accident claim that completely covers their list of damages. Sadly, if the driver is uninsured, or has only the minimum policy, a victim may assume that they have no other options for receiving compensation.

If you were injured by an uninsured or underinsured driver, then do not lose hope. You may have more sources of compensation that you realize and should not hesitate to contact a skilled San Diego uninsured/underinsured accident attorney as soon as possible. Call the legal team at jD LAW today at (760) 630-2000 to schedule a free consultation.

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Uninsured & Underinsured Motorist Coverage in California

The state of California requires all insurance providers to offer customers an uninsured motorist (UM) and underinsured motorist (UIM) coverage policy. UM and UIM coverage is completely optional, but you can only reject it in writing. As a result, it is very likely that it is included in your vehicle’s liability coverage and you do not even know it.

These policies often come in a package, but both apply to different situations. Uninsured insurance covers any collision where the other driver does not have liability insurance as well as incidents where you do not know who the driver is, such as a hit and run accident. In turn, if the driver who hit you does not have sufficient auto insurance coverage to cover your damages, your underinsured motorist coverage will apply and pay for the costs of your accident up to your policy limit.

Policy limits for UM and UIM coverage must match your own liability policy. Thus, when you go to file a claim under this policy, you are effectively making your insurance company the adverse party and can file up to your policy limit. If you have the minimum policy, your limit may include $15,000 for injury to a single person and up to $30,000 for two or more injured individuals. You may also use this policy in conjunction with a MedPay policy if you have one.

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How to File a Claim?

Proceeding with a UM or UIM claim is not as easy as one would hope. Insurance companies are driven by profits, even your own, and are hard-pressed to provide proper coverage to accident victims. With UM and UIM claims, your insurance company becomes the at-fault party and may prove dismissive of your claim. They may attempt to devalue your claim, discredit your injuries, require excessive paperwork, delay in responding to your messages, and even outright deny your claim. That is why it is imperative that you contact an attorney after an accident.

At jD LAW, our San Diego car accident attorneys can negotiate skillfully with the insurance company on your behalf and fight effectively for the compensation you deserve in court, if necessary. We can also assess the full extent of your losses, past, present, and future, to help protect you from the risk of accepting a low-ball offer from your insurer if your claim is worth significantly more. If you or someone you loved were injured by an uninsured or underinsured driver, contact our legal team at (760) 630-2000 to schedule a free consultation and learn what options are available to you.

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