Injured in a car accident and the other driver didn’t have insurance? Or perhaps the driver didn’t have enough insurance? You could have an uninsured or underinsured motorist claim.
Uninsured Underinsured Motorist Coverage (UM/UIM) is coverage you have with your car insurance. Basically, it allows you to bring a claim against your own insurance company for injuries you sustained in a car accident. Uninsured Underinsured Motorist accidents are a complicated area of law, involving legal concepts from both contract and tort. You should contact a San Diego Uninsured Underinsured Motorist Lawyer who knows what to do.
Call Evan, a San Diego Uninsured Underinsured Motorist Lawyer.
Here’s an example of one case handled by Evan. An elderly woman was riding her bicycle in La Jolla when a stopped driver opened his car door and the woman hit the door, causing extensive injuries. Evan quickly obtained the entire policy limits of the driver and then made a UM/UIM claim, also obtaining the entire policy limits.
Read Evan’s blog for more info: California Uninsured Motorist Coverage: Pay to Sue Your Insurance Company.
Who is an Uninsured Motorist in California?
An uninsured motorist in California may be one of the following:
- A driver with no car insurance;
- A driver with insurance less than the amount legally required; and
- A hit-and-run driver.
Who is an Underinsured Motorist in California?
An underinsured motorist is a driver who doesn’t have enough auto insurance to pay for all of the damages they caused.
What damages are recoverable for a UM/UIM accident?
Recoverable damages for a UM/UIM accident include past and future medical expenses, property damage, lost wages and earning capacity, and money for pain and suffering.
Here’s some more info: Personal Injury Damages Calculator.
Can You Sue An Uninsured Motorist In California?
Sure. But will it do you any good?
If you have UM/UIM insurance, it may be better to make a claim through that insurance. Arguably, the reason you have UM/UIM insurance is when you’re injured by an uninsured motorist.
Talk to Evan about your options!
Here’s some more info: How To Sue A Driver Who Doesn’t Hit You
Is There A Statute Of Limitations For UM/UIM In California?
Yes. But it gets complicated. For example, it depends on whether you’re talking about UM or UIM, whether you have brought a claim or sued the third party, whether tolling applies, and what your insurance policy, including endorsements, say. Getting the statute of limitations right is crucial. Don’t lose your case because you got the date wrong!
Evan has experience in both bringing and defending uninsured underinsured motorist claims. He can assist you in making a viable uninsured underinsured motorist claim against your own insurance company. Don’t trust your insurance company to do the right thing.
If you have been injured in a car accident and there is not enough insurance coverage, contact Evan, a San Diego Uninsured Underinsured Lawyer. His office is in La Jolla, and he represents personal injury clients throughout San Diego County. Evan brings the responsible parties to account so his clients receive full and fair compensation.
Call (858) 324-6606 for your free consultation.