Campbell Uninsured Motorist Accident Lawyer
A serious car accident is jarring and traumatic at the best of times. You could be facing time away from work to recover from your injury, loss of your primary commuting vehicle, mounting medical costs, and other expenses. At the least, we expect that when another person causes the crash, their legally-required insurance will cover much of the damage. Unfortunately, not everyone follows the law. Some drivers choose not to purchase the minimum insurance coverage required by California law. In fact, estimates indicate as much as 20 percent of California drivers lack the required insurance. How are you going to cover your medical bills if the at-fault driver lacks insurance? What if you have an injured passenger? What about the damage to your car?
If you discover that the driver who hit you was driving without insurance, you still have options. The Campbell uninsured motorist accident lawyers at Solution Now Law Firm can help you determine your best step forward. You are still entitled to compensation after an accident caused by someone else’s negligence, and we will be there with you to make sure you recover as much of the damages you are owed as possible.
California’s Insurance Requirements
California law requires all drivers to carry a minimum level of auto insurance coverage. Under the law, drivers must carry at least:
- Bodily injury liability: $15,000 per person and $30,000 per accident minimum
- Property damage liability: $5,000 minimum
Liability insurance is meant to protect other drivers when the driver with the policy causes an accident. Unfortunately, many drivers choose to ignore these requirements and drive without such protections. Solution Now Law Firm helps clients explore their options for recovery after a car accident with an uninsured driver.
Uninsured and Underinsured Motorist Insurance
We strongly recommend that all California drivers who can afford to do so carry additional insurance beyond the minimum. California requires insurance companies to offer uninsured motorist (UM) protection. Drivers who reject this coverage must affirmatively choose to decline it. Uninsured motorist coverage is meant to protect the policyholder when another driver is at fault for an accident but lacks insurance. The minimum policy typically covers the following:
- Uninsured motorist bodily injury: $15,000 per person and $30,000 per accident
- Uninsured motorist property damage: $3,500
If you opted to buy uninsured motorist protection, then you can rely on that coverage up to your policy limit in the event of an accident with a driver who lacks sufficient insurance to cover your damages. You can also buy additional underinsured (UIM) motorist coverage, which is meant to cover the difference between the other driver’s insurance and your actual damages. For example, if the other driver has the California minimum–$15,000 in personal injury–and your medical bills are $30,000, your underinsured policy could cover the additional $15,000 in medical costs. UM and UIM are often sold as a package. We recommend getting the highest UM/UIM that you can reasonably afford.
Suing an Uninsured Driver
If you lack uninsured motorist coverage, or if even your own insurance does not cover your injuries, you can still bring a claim against the at-fault driver. If you succeed, the driver will owe you for your damages and will be forced to pay out-of-pocket. Drivers without insurance might not have very deep pockets. You may still have some collection options, however, including wage garnishment and liens on personal property. Speak with a knowledgeable uninsured motorist lawyer at Solution Now Law Firm to evaluate your case and determine your best option for maximizing your recovery.
Call for Help if You Were Hit by an Uninsured Driver in Campbell
If you or your loved one has been injured by an uninsured or underinsured driver in Campbell, Saratoga, Cupertino, Los Gatos, or across the Bay Area, you need a knowledgeable, considerate legal advocate in your corner. The seasoned and effective uninsured driver car accident lawyers at Solution Now Law Firm are ready to bring our years of litigation experience to bear in helping you and your family recover the damages you are owed for the harm you have suffered. We purposefully take on a limited number of cases in order to ensure that each of our clients gets individualized focus, care, and attention. For a free case evaluation, give us a call at 408-256-2871.