Under California state law, all registered vehicles are required to be covered by liability car insurance in order to pay monetary damages in the event of an accident. Without such insurance in place, the driver is at risk of being sued in a personal injury or wrongful death claim, but liability insurance serves to provide legal protection against such lawsuits. It not only safeguards the policy holder but also ensures that the accident victims are able to receive financial compensation for their medical expenses and lost income in the aftermath of a serious collision. The minimum coverage amounts are set at $15,000 for injury or death to a person and $30,000 for injury or death per accident, as well as $5,000 for property damage.
Unfortunately, these minimum amounts are very often not enough to pay for the full costs associated with a serious injury or the death of a driver or passenger. For example, the Centers for Disease Control and Prevention reports that the average spinal cord injury victim can expect to pay between $15,000 and $30,000 per year in medical expenses alone.
If you have suffered a catastrophic injury or have lost a loved one in a car accident, you may be faced with difficult questions regarding how you will be able to afford the medical treatment you require to achieve the maximum recovery and how you will make ends meet after the accident.
The good news is that you may be able to recover some or all of the additional compensation that you need and deserve from your own insurance company. An Antelope Valley car accident injury attorney from our firm can meet with you to review your policy and determine whether you have underinsured motorist coverage. If you are eligible, we can assist you in filing a claim against your policy, preparing the evidence for your case and fighting for your right to the full payment you are due.
In the event that even this does not provide you with all of the money that you need, we might be able to supplement your insurance compensation by directly suing the other driver with the goal of obtaining a wage garnishment or property lien that can be used to satisfy the value of your claim.
Schedule your free case evaluation today.