Accidents can occur, especially on roads along in Los Angeles. All too often, an uninsured or underinsured motorist is involved in such collisions. The Insurance Research Council estimates that 1 out of every 7 drivers in the United States is uninsured, an alarming statistic when you consider that accidents involving these individuals can lead to significant costs and coverage issues for other parties involved.
Fortunately, there are options for covered drivers to protect possible incidents involving uninsured/underinsured vehicles. Or, if there have been injuries, there might be other redress forms, depending on the particular circumstances.
We believe that you deserve fair compensation at the Los Angeles car accident lawyer and should not have to suffer further if you are the victim of an uninsured motorist accident. We’re dealing with victims of car crashes in Los Angeles, California.
- What is an Uninsured Motorist?
The California Insurance Code defines an uninsured motor vehicle as one that is not covered by a liability insurance policy, including a vehicle that denies coverage, such as for an excluded driver or if the vehicle is being stolen. When you’re involved in a hit and run crash and you can’t find the driver, the car would also be considered uninsured.
Finally, if the insurance provider goes out of business while the claim is pending, a car will also become uninsured.
- Uninsured Motorist or driver Coverage
If you are injured in an accident with an uninsured driver, you can file a claim with your insurance company, provided that you have uninsured motorist coverage. California law requires all motorists to make auto insurance providers provide uninsured coverage. If you refuse this coverage you have to sign a written waiver. There are two forms of compensation for uninsured motorists:
1.Uninsured motorist bodily injury:
Uninsured motorist bodily injury (UMBI) is intended to compensate injuries to you and everyone in your vehicle in an accident with a faultless driver. The benefits do not surpass the amount protected by your responsibility.
2. Uninsured motorist property damage:
Uninsured motorist property damage (UMPD) accounts for the harm done to the vehicle by an incident involving an uninsured driver who is at fault but is limited to $3,500 and only charges if the uninsured driver is identified.
You need powerful, skilled attorneys to fight on your behalf. Let’s look at your insurance policy and give you useful insight into your coverage and what we can do to help.
Additionally, whether you’re a runner (or, for example, riding a bicycle or skateboard) and you’re struck by an uninsured motorist, you will always receive coverage from your own insurance policy because you have the cover. If your policy includes uninsured motorist benefits you are likely to collect money from your own insurance company if the losses are large. If you are involved in an accident so for legal help contact Los Angeles Uber accident lawyer& also for other accidents.
- Filing a lawsuit by an uninsured car accident driver
To lodge an uninsured motorist lawsuit, you have to prove that the other driver was at fault and the motorist was not insured. Besides, many auto insurances plan stipulate specific deadlines for policyholders to inform a possible uninsured claim. Therefore, it is crucial to notify your insurer as soon as possible.
An uninsured policy is close to a traditional car accident insurance policy and often insurers will give as little as possible immediate payment. When a settlement cannot be reached, a formal arbitration order needs to be issued. When that procedure does not settle the matter, it may be appropriate to hold a hearing before an arbitrator that will make a final decision.
To get a fair settlement, you can call California’s top Los Angeles personal injury lawyerthey will negotiate benefits with the insurance provider to help defray accident and rehabilitation costs. If you or a loved one is seriously injured in an accident with a motorist which is not your fault, then plan a free consultation with a lawyer at our firm to find out more about your financial recovery options and getting a free evaluation of your case.