Our Palmdale car accident lawyers respond immediately to clients’ calls for help, and we represent clients throughout the Antelope Valley in order to ensure they get the compensation they deserve.
Uninsured Motorist Accident Attorneys in Lancaster, CA
Serving Antelope Valley for 30+ Years
In the state of California, all drivers are required to have car insurance in order to legally drive. The unfortunate reality is that despite that mandate, many drivers still choose to drive without insurance. When one of them causes an accident that results in property damage or personal injury, things can quickly get complicated. Ultimately, the victim of the crash will have to rely on their own uninsured / underinsured motorist insurance policy if the at-fault driver does not have enough coverage, or doesn't have any coverage at all.
If you have been injured in a car accident with an uninsured or underinsured driver, Accident Attorneys is available to provide you with a free legal consultation to learn more about your options. Give us a call now at (661) 261-4929 to get started.
Do I Really Need Uninsured / Underinsured Motorist Coverage?
If you have ever purchased car insurance in California, you likely had a “fun” time going over the mandatory liability minimums each driver needs to buy in order to legally drive.
California uses a 15/30/5 minimum, which means:
- $15,000 coverage for injury or death to one person
- $30,000 coverage for injury or death to more than one person
- $5,000 in property damage (vehicles or otherwise)
But the legal necessities are not the only types of insurance available to you, and they really aren’t the only kinds you should buy. In particular, you may have noticed an option to purchase uninsured and underinsured (UM/UIM) motorist coverage. Since it is only optional, you probably don’t need it, right?
Here’s three reasons why that assumption might be wrong:
- Faster resolution: If you get in a car accident with a driver who has no car insurance, and you don’t have UM/UIM coverage, the only way you can get compensation is through a personal injury claim. While this is better than having no options at all, if you had purchased uninsured motorist coverage, you could get your money faster if your coverage amount actually met all of your damage requirements. Furthermore, personal injury claims filed by plaintiffs who have UM/UIM coverage – which would be the case if your damages exceeded what your coverage offers – tend to see their cases close in a lesser amount of time.
- Excess expenses: An insured driver that hits you but cannot cover all of your necessary medical bills and repair costs with their insurance policy is technically an underinsured motorist. With UIM insurance on your policy, you can gain the maximum amount allowed by the liable party’s insurance and the excess remaining through your own. Essentially, there is less of a chance that you will be left without the coverage you require.
- Hit-and-runs: When you are unable to collect identifying or insurance information from the other driver before they leave the scene of the accident, it is a hit-and-run. What you may not have realized is that uninsured motorist coverage will take care of you during a hit-and-run accident, even if that means you came back to your car after shopping to find that someone put a dent in your bumper.
There are numerous reasons why you should probably talk to your insurer about getting UM/UIM motorist coverage added onto your policy. It is not, however, the only way to seek compensation and damages after a car accident. An injury claim may be your best option in some cases, regardless of the type of insurance you own.
Contact Accident Attorneys to talk to our Lancaster car accident lawyers after a crash. We can tell you what might be your next best move during a free case evaluation.
If someone else's negligence or carelessness caused your accident, you have the right to pursue financial compensation for your damages. Speak with a lawyer from Accident Attorneys to learn more about your legal rights and options with our firm. You can also fill out an online evaluation form for additional information about your unique case.
Every case is different. A variety of circumstances determine the value of your claim. Property damage, medical expenses, hospitalization fees, pain, and suffering, missed wages, and many other factors can affect the outcome of your case.
You can even collect damages for future unemployment / missed wages and ongoing medical costs. Speak with a member of the legal team at Accident Attorneys to learn more about the potential value of your case.
If you file a claim against an individual, his / her insurance company is probably aware of the judgment. If the insurance is unaware of the settlement, you can notify the insurer. At this point, the insurance provider should issue a check for the settlement.
If the responsible party does not have insurance, you may need to enter the settlement with the court. The court has the authority to enforce the judgment if the responsible party refuses to pay.
There is no minimum amount of money allowed for a personal injury settlement; every case is determined by the unique facts surrounding the claim. Additionally, most jurisdictions do not have a cap on the amount of my money that you can receive through a personal injury settlement.
In California, the amount of money that you can receive for noneconomic damages (pain, suffering, etc.) for a medical malpractice case is limited to $250,000; however, other injury settlements are not subject to this restriction.
Generally speaking, parents are not allowed to access any money given to their child for a personal injury settlement. This is because some parents may take the money for their own benefit instead of the child.
Your child's money will probably be placed in a blocked bank account that only he / she can access at the age of 18. The court may allow you to access the money sooner, but only if it is needed for the child's well-being or health.