San Jose Uninsured Motorist Lawyer
You suffer numerous losses as the victim of a California car accident, including medical bills, vehicle damage, time off work, and considerable pain and suffering. Because the State of California Department of Motor Vehicles (DMV) requires motorists to carry auto insurance, you are definitely relieved to know you can recover compensation by filing a claim with the at-fault driver’s insurer. However, your situation is quite different if you were in a collision with an uninsured motorist. When you cannot pursue monetary damages through an insurance claim, you may feel hopeless.
If you were hurt in an uninsured driver crash and face such a desperate scenario, trust our team at the Solution Now Law Firm to assist with legal options you may not have considered. It may still be possible to obtain compensation, but there are additional hurdles in the process. For more information, please contact us to schedule a no-cost consultation with a San Jose uninsured motorist lawyer. You might also benefit from reviewing some general information about these cases.
Auto Insurance Regulations and Add-Ons
The California DMV requires motorists to carry at least $15,000 in bodily injury liability per person and $30,000 per accident; these amounts apply to what an injured victim can recover when the driver with the policy causes a crash. The law also requires drivers to carry $5,000 in property damage to cover vehicle repairs. In addition, motorists have the option to pay for higher levels of coverage, including:
- Uninsured Motorist Insurance (UM): You can purchase an add-on to your policy that pays out when another driver is at fault but does not have insurance. A typical policy will cover $15,000 per person and $30,000 per accident.
- Medical Payments Coverage (MedPay): This option will pay for your medical bills if you were hurt in an accident, regardless of fault.
Your Options as the Victim of an Accident with an Uninsured Driver
If you added onto your minimum auto insurance coverage by paying for UM or MedPay, you would be able to file a claim with your own insurer for your losses. Our attorneys at the Solution Now Law Firm can assist you with the first-party claims process, which is similar to filing with a responsible driver’s insurer. However, there are laws against bad faith by insurance companies, so retaining legal counsel is important.
In addition, you can opt to pursue the uninsured motorist directly through a civil lawsuit. That person may not carry insurance, but he or she may have sufficient assets or income to cover your losses. Our team will diligently explore any and all alternatives to ensure you receive compensation, whether through an insurance claim or going to court.
Reach Out to a San Jose Uninsured Motorist Attorney for Legal Help
To learn more about your options after being in a car accident with an uninsured driver, please contact the Solution Now Law Firm at 408-256-2871 or through our website. We can schedule a free case evaluation with a San Jose uninsured motorist lawyer who will review your circumstances and advise you on your rights.