IF YOU’VE BEEN INJURED BY AN UNINSURED MOTORIST, WE CAN HELP
California Personal Injury Lawyers Helping Accident Victims
Although automobile insurance is mandatory under California law, a significant percentage of drivers on California roadways are uninsured. When these uninsured motorists injure pedestrians, other drivers, and even their own passengers, the Thompson Law Office can help. We understand that injury victims need fair compensation to rebuild their lives, and our mission is to pursue full value in every case.
Call 1-650-513-6111 to schedule a free consultation with one of our California insurance claims attorneys.
In the article below, our California car accident lawyer discusses:
- Liability in Uninsured or Underinsured Motorist Claims & Cases
- Direct Liability of the Uninsured Driver
- Your Own Motor Vehicle Insurance
- Liability of Someone Other than the Uninsured Motorist
- File a Car Accident Insurance Claim Today By Contacting a California Personal Injury Lawyer Today
Liability in Uninsured or Underinsured Motorist Claims & Cases
When a driver negligently causes an accident, it is the driver himself or herself who is legally responsible for the damages. Since most people don’t have the resources to compensate the victim of a serious accident directly, California and other states require drivers to carry automobile insurance. When insurance has lapsed or is simply not enough to cover the damages sustained in the accident, you may feel that you have nowhere to turn.
However, there are three possible options you may have for recovering full compensation for your injuries, losses, and damages even though the accident may have been caused by an uninsured driver or a driver without sufficient automobile liability insurance.
Direct Liability of the Uninsured Driver
It is the negligent driver who is the target of a personal injury lawsuit, regardless of whether or not the driver is insured. The main difference is that when the driver has automobile insurance, the insurance company typically provides legal representation for the driver to protect the insurance company’s best interest.
If a settlement is reached or a judgment entered that is within the insurance policy limits, the insurance company should pay the accident victim within a reasonable period if the insurance company does not appeal a court decision.
A driver without car insurance coverage is directly responsible for any settlement or judgment reached for a victim’ damages. Unfortunately, it is difficult to recover compensation for damages directly from an uninsured motorist. Many uninsured motorists don’t have sufficient funds or property to pay an accident claim. An experienced California car accident attorney can be extremely helpful when you are dealing with an uninsured driver. Our legal team investigates the at-fault driver’s resources that may be used to pay the claim, but we also investigate other possible sources of compensation for your claim.
Filing am Accident Claim Against Your Own Motor Vehicle Insurance
Your automobile insurance policy may include coverage for accidents caused by an uninsured or underinsured motorist. When you purchase car insurance in California, you have the opportunity to opt out of this coverage, so not everyone who is injured by an uninsured motorist is protected. For those who do have coverage, the limits may be low, and only certain damages may be covered.
It is usually a wise idea to purchase as much underinsured and uninsured motorist coverage as you can afford within your budget. Because there are thousands of drivers in California do not have insurance or carry minimum insurance coverage, UM and UIM coverage could prevent a catastrophic financial crisis if you are injured in an accident with an uninsured or underinsured driver.
Generally, uninsured or underinsured motorist claim coverage may be a part of the solution, but will not be sufficient to compensate the injured party fully. Typically, the legal team of The Thompson Law Office pursues this recovery option in combination with other legal options for recovery.
Liability of Someone Other than the Uninsured Motorist
In some cases, a party other than the negligent driver is partly responsible for the accident. In that case, that third party may also be partly responsible for your damages. In an uninsured motorist case, it is especially important to investigate third-party liability, because that other responsible party may have insurance coverage or other resources that the negligent driver does not.
Some common situations in which a third party may be responsible include:
- When the negligent driver was operating someone else’s vehicle with the owner’s permission
- When the negligent driver was acting on someone else’s behalf at the time of the accident, such as making a delivery for an employer
- When the negligent driver is a minor who had become obviously intoxicated at a bar or restaurant
File a Car Accident Insurance Claim Today By Contacting a California Personal Injury Lawyer Today
If an uninsured or underinsured motorist has injured you, the process of recovering the damages you deserve can be complicated and confusing. A local personal injury lawyer with The Thompson Law Office experienced in handling uninsured or underinsured motorist claims can be your best resource.
Act Now! Your Time to File an Accident Claim is Limited!
Although most people injured in motor vehicle accidents have up to two years to file suit against the driver or other responsible parties, a delay can hurt your case. Witness memories fade, or witnesses may become difficult to locate. Physical evidence may be lost or destroyed. The earlier we can get started investigating a claim, the more opportunity we have to identify all responsible parties, preserve evidence and put together a strong case on your behalf.
Thompson Law Office Can Help With Your Underinsured Motorist Claim
The Thompson Law Office is here to help you with your uninsured or underinsured motorist claim. California has among the most developed and favorable insurance laws in the country. A California attorney experienced in insurance law and working closely with insurance companies can evaluate whether you are being treated fairly and justly or whether a bad faith claim has arisen.
Thompson Law Office is a California law firm with experienced car accident attorneys, personal injury trial lawyers, and, insurance bad faith attorneys. If you believe your insurance company has denied you coverage unjustly and you may be the victim of insurance bad faith, please contact Thompson Law Office immediately.
Call 1-650-513-6111 now to schedule a free consultation with a Thompson Law Office personal injury attorney. Our goal is to help you and your family recover from the tragic consequences of a car accident you did not cause by assisting you in seeking a just and fair settlement from the party or parties responsible for your injuries, losses, and damages.