Reseda Uninsured Motorist Lawyer
The congested roads around Reseda are no stranger to daily car accidents, and most drivers know what to do if they’re involved in one. However, when the other driver is uninsured, underinsured, or a hit-and-run occurs, many people aren’t sure how to proceed to get compensated for the injuries they suffered. That’s why the experienced Reseda uninsured motorist attorneys at Walch Law offer a no risk, no obligation initial consultation to answer your questions, give you peace of mind, and explain how we can fight for you to get the most possible money for your injuries. Call Robert and Gary today to see how their over 40 years of recovering for clients and over 95+% success rate can help get your life back on track starting today!Am I At Risk of Being Hurt by an Uninsured Motorist in Reseda?
California drivers are legally required to carry at least a minimum level of auto insurance coverage to protect themselves and pay for damages in an at-fault accident. Shockingly, many people disregard this rule and drive with no insurance. A recent study revealed nearly 1 in 8 drivers admitted to having no car insurance. In the most recent year California’s Office of Traffic Safety reported its accident statistics, 12 percent of all drivers reported carrying no auto insurance, but thousands of victims suffered catastrophic injuries in accidents. The major 101 and 405 freeways nearby and massive number of cars on the road make it important to be prepared that if a car accident occurs and high levels of damage occur, the driver of the other vehicle may not have insurance and you may be left holding the bill for your injuries.What is Uninsured Motorist Insurance Coverage?
In your car insurance policy, uninsured motorist coverage (“UIM”) means your insurer will pay some or all of your damages if an at-fault driver doesn’t have insurance to cover injuries or property damage you or your passengers suffered in the accident. Often, UIM means your insurer will even pay after a hit and run accident where it’s impossible to get the at-fault driver’s insurance information and file a claim with their insurer.
It may surprise you to know that California, unlike some states, does not require you to carry UIM coverage in your auto insurance policy. But, any time you purchase an auto insurance policy the option to purchase UIM coverage must be offered to you. In California, uninsured motorist coverage pays:
- Medical expenses for you and your passengers, and
- Property damage for property repairs up to $3,500 not covered under collision coverage.
UIM purchased through your auto insurance policy usually includes coverage for underinsured motorists as well. Underinsured motorist coverage means if the at-fault driver’s auto insurance policy limits are too low to make you whole and pay for all your damage, your insurance company will pay some or all of the damages that the at-fault driver’s insurance company will not.
California drivers are currently only required to carry automobile insurance with at least:
- $15,000 in bodily injury coverage and
- $30,000 total for death or injury in any accident.
Many drivers just do the bare minimum when it comes to insurance, but the reality is that the amount of damages caused in a collision are often far more than the at-fault driver’s coverage limits. Even a fender-bender can easily cause $15,000 or more in damages; the damage from severe, multi-vehicle, or truck accidents can often leave victims with lifelong injuries or incapacity that racks up millions in damages. Underinsured motorist coverage can help keep you from bearing these costs yourself.Contact a Lawyer and Get Started Today!
When you’re in an accident with an uninsured or underinsured motorist, you may think the repair bills and medical expenses you’re facing mean you don’t have the money to hire an attorney. However, all the cases Robert and Gary take on are on a contingency fee basis. This means you pay nothing before we win your case and you get paid. Let us put our more than 40 years of experience and 98%+ success rate to work for you and fight for you to get the most money possible as quickly as possible. Contact us today; our skilled Reseda uninsured motorist lawyers are here to answer your questions, discuss the process, and get you started on the path to recovery and closure today.