Filing A Claim Against An Uninsured Motorist
The aftermath of a car accident is always stressful. At the scene of the crash, you typically would collect the insurance information of the other driver. However, when the responsible driver does not have insurance or is underinsured, your claim can become even more complicated.
Car accident claims involving underinsured drivers are adversarial in nature and require the help of an experienced attorney who understands the process. At AK Injury Law Firm, we help clients throughout the San Diego area file successful personal injury claims involving uninsured drivers. Your insurance company may compensate you for some of your damages caused by an uninsured motorist, but we can help you file a claim to recover the full compensation you deserve.
We Understand How To Navigate The Process
Under California law, all drivers must carry auto insurance. However, not everyone follows this rule and many drivers have no insurance or are underinsured. Many people also carry uninsured and underinsured insurance as part of their regular car insurance policy that will help cover some of their damages.
The steps to take in a case involving an uninsured motorist vary from regular car accident claims and works similarly to a third-party claim. We will help you with every step of the personal injury claims process, from investigating your case, sending a demand letter and advocating for you in settlement negotiations. When you suffer injuries in an accident, you deserve compensation to help you cover your costs and get back on your feet. Depending on the circumstances of your case, you may file a claim to recover compensation for medical expenses, lost wages, lost future income, pain and suffering, and mental anguish.
Frequently Asked Questions About Uninsured Motorists Accidents
Do you have questions about a car accident involving an uninsured driver? You are not the only one. Here are our answers to questions that drivers in the same situation have asked.
How do I handle an accident with an uninsured driver?
Typically, you can handle an uninsured motorist accident like any other crash. You should call the police to report the accident – the resulting police report is an important piece of evidence that can strengthen your auto accident claim. You may also need to seek medical help from a paramedic and have a medical report made. It can help to reach out to an attorney to talk about your case. Our lawyers can represent you and negotiate with your insurance company to help maximize compensation.
Will my insurance cover the damages?
Your policy may include coverage for property damage and medical bills after suffering harm and loss in an uninsured driver accident, but many California insurers do not provide uninsured or underinsured coverage. The amount of damages you can recover can greatly depend on your insurance coverage and whether you have uninsured or underinsured coverage. Some policies may only cover medical bills and not property damage. It can help review your insurance policy to understand the amount of compensation you may be qualified for.
Will my rates increase even if the accident wasn’t my fault?
In many cases, your insurance rate should not increase after an accident if you are not at fault. However, there is the possibility of a rate increase depending on several factors, such as your degree of fault in an accident, the type of insurance policy you have and your claim history. If you believe your insurance rates were wrongfully increased, then you may need to talk to a lawyer to discuss your legal options.
What if the other driver flees the scene?
If you were in an auto accident and the other driver fled the scene, then it is important to act fast. You should consider calling the police to report the accident. Information may be collected to identify the other driver, such as witness statements, photos or video recordings. Depending on the severity of the accident, the other driver could face serious charges. However, it is also important to take steps to protect your rights and collect fair compensation.
Contact Us Today To Discuss Your Case
Call us today at 877-769-8905 to schedule your free consultation or contact us online. We always provide the personalized service and attention you need to get through this difficult time. We are available to our clients 24/7, so you never have to hesitate to reach out to us with questions and concerns.