Considering Uninsured Motorist Insurance

Considering Uninsured Motorist Insurance

In California, if you own and drive a car, you are required to have car insurance. Unfortunately, approximately one out of three drivers in California today does not. The reasons why they don't have insurance vary, but it typically comes down to not being able to afford it. No matter what the reasons are, getting involved in an accident with an uninsured motorist can end up being a huge hassle and a major financial loss.

As a driver, especially in California, it is wise to carry uninsured motorist insurance in case you get into an accident with an uninsured motorist. Without uninsured motorist insurance, if you are in an accident and the person at fault is uninsured, your only recourse to pay for your vehicle damage and personal injuries is to file a civil law suit against the driver. In most cases, drivers are uninsured for financial hardship reasons.

This means that even a successful civil lawsuit will not help the victim because the at-fault driver does not have to ability to pay for the vehicle damage and personal injury. Uninsured motorists are usually unemployed or hold low-paying jobs, pay rent for an apartment, do not have assets and do not have enough money in their bank account.

That is why it is difficult to seek retribution for an uninsured motorist – their assets are not enough to warrant litigation. Having uninsured motorist insurance coverage can help you recover damages, especially if you have serious personal injuries. It can also help you recover lost wages, pain, suffering a permanent injury, disfigurement, damages resulting from the accident and loss of future earning capacity. Without insurance protection, those expenses would come out of your own pocket.

Uninsured motorist insurance applies to you and your passengers, and it also covers the other drivers named in your policy. However, no matter what the case is, if you find yourself involved in an accident with an uninsured individual, seeking help from an experienced lawyer can work to your advantage.

If you make a claim against your own insurance company, you may need a lawyer to represent you because it does not necessarily mean that your insurance company will pay for the damages without hesitation. Your insurance company may try to pay as little as possible, just to settle the claim, even if it means trying to prove that you were partially at fault for the accident. An uninsured motorist lawyer can represent you and negotiate with the insurance company on your behalf to help you get maximum recovery.

Uninsured motorist laws can be complicated because they deal with insurance companies that try to belittle or deny your claim. A knowledgeable lawyer can provide you with the help you need to get the compensation you deserve for your injuries. Attorney Search Network can help you find an uninsured motorist insurance lawyer today.

If you have any questions about the information provided above, please contact Attorney Search Network.

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