Orange County Uninsured Motorist Accident Lawyers
California is known for many things, including its vast system of freeways that millions of drivers use each day. There’s no question that car accidents are frequent occurrences, especially in Orange County. Normally, a car accident that doesn’t result in any injuries would have the drivers exchanging their insurance information, and possibly filing a claim to recover any damages.
But when you get in a car accident with a driver who does not have sufficient insurance, or any insurance at all, this process can quickly become much more complicated.
California requires all motorists who are operating a vehicle on public roads to have a minimum amount of insurance coverage. This minimum is:
- $15,000 for the bodily injury or death of a person in an accident.
- $30,000 for the bodily injury or death of two or more people in an accident.
- $5,000 for property damage in an accident.
Even though it is against the law to operate an automobile without insurance, countless people drive the streets while uninsured or unlicensed.
What can you do to protect yourself? Well, you have the option to purchase uninsured/underinsured motorist(UM/UIM) coverage. It covers your damages in a car accident when the other driver lacks insurance or lacks a sufficient amount of insurance to cover your losses.
Having uninsured/underinsured motorist coverage in your insurance plan can be a lifesaver if you ever get involved in an accident with an uninsured driver. You may be able to receive financial compensation that covers:
- Medical expenses
- Loss of future income
- Property damage
UM/UIM coverage usually has the same policy limits as your liability policy limits. This means that if you have the minimum amount of coverage for driving in the state of California, you will be able to collect up to $15,000 for your own injuries, $30,000 for the injuries or death of another person, or $5,000 in property damage from your uninsured motorist policy.
However, going through your own insurance company to recover your losses has its own set of frustrations you may have to deal with. Oftentimes, your insurance provider will try to minimize the amount you are paid or dispute your claim itself. For this reason, it’s vitally important that you consult with an experienced Orange County car accident attorney before you make any decisions.
At Allen, Flatt, Ballidis & Leslie, our team of dedicated attorneys has helped numerous victims recover from tragic car accidents with underinsured or uninsured motorists. Insurance companies can be the last things people want to deal with while healing from severe injuries. That’s why we are committed to providing you with the effective and strategic representation you need to fight your case.
If you or a loved one has been involved in a car accident with an uninsured or underinsured motorist, don’t wait to start getting the help you need. Give Allen, Flatt, Ballidis & Leslie a call at (949) 752-7474 to discuss your options.
- Uninsured and Underinsured Automobile Insurance: Why You Need It
- Uninsured / Under Insured Motorist Coverage
- Uninsured Motorist Coverage (UMC) /Underinsured Motorist Coverage (UIM) - DMV
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