Uninsured Motorist Claims
Were you in an accident with an uninsured driver?
The state of California has thousands of uninsured motorists driving on the roads at any given moment. Some of these drivers don't have driver's licenses and some of them simply can't afford auto insurance. Because the state's numbers of uninsured motorists are relatively high, California requires that every automobile insurance policy includes uninsured motorist coverage unless the insured has declined this coverage in writing. Uninsured motorist coverage is important to have as it protects you when you're involved in an accident with an uninsured driver or a hit and run driver, and it protects you if you're a pedestrian or bicyclist and are hit by one of these drivers.
At the Law Office of Adam Sorrells, we have observed the devastating effects of car accidents, and after over 25 years handling car accident claims, we have learned how important it is to carry plenty of uninsured motorist coverage. When you're in an accident and the other driver is to blame, the at-fault driver's auto insurance carrier pays for the repairs to your vehicle, your medical expenses and pain and suffering.
However, if you're injured in an accident and the other driver is at fault, but they're uninsured, your chances of pursuing a personal injury claim against him or her are remote since they probably can't afford insurance to begin with.
Benefits of Uninsured/Underinsured Motorist Coverage
If you're involved in an accident with a hit and run driver or an underinsured or uninsured driver, your uninsured/underinsured motorist coverage will kick in. This means that if you're involved in an accident with an underinsured or uninsured driver, you will submit a claim against your own auto insurance policy to pay for your losses such as medical bills, pain and suffering and lost income.
Even if the other driver carried liability insurance that wasn't sufficient to cover your losses, your uninsured/underinsured motorist coverage will make up the difference and you won't be penalized for making a claim against your policy. Since there are so many uninsured drivers in Northern California, you can't afford not to have this coverage.
Get the assistance of a Chico car accident attorney at The Law Office of Adam Sorrells on your side today!
Having full coverage is not the same as having uninsured/underinsured motorist coverage and having underinsured/uninsured motorist coverage of $15,000 per person/$30,000 per accident is not enough.
We recommend that you carry at least $100,000/$300,000 if not more. For help filing an uninsured motorist claim, contact a Chico car accident attorney from the Law Office of Adam Sorrells today!