If you are involved in an accident with an uninsured or underinsured motorist, recovering compensation can be a difficult task.
Fortunately, the attorneys at James McKiernan Lawyers have vast experience obtaining money for auto accident victims in and around San Luis Obispo. When a negligent driver does not hold a car insurance policy or the driver’s policy does not cover your medical or property damages,
knowledgeable legal counsel can use effective tactics to recover monies owed.
Underinsured Motorist Attorneys Serving Santa Maria, CA
Under California law, motorists are required to have liability insurance for all vehicles on the road. Liability insurance pays for property damage and bodily injuries for the party that is not at fault in the accident. However, the Insurance Research Council’s report of uninsured motorists from 2001 estimates that 14% of the motorists in the United States do not carry auto accident insurance, despite most states requiring it.
In California, the minimum insurance requirements for private passenger vehicles are:
- $15,000 for injury/death to one person
- $30,000 for injury/death to more than one person
- $5,000 for damage to property
Many people choose to purchase the least expensive policy available to lower their monthly or bi
–yearly premiums. But saving a little money upfront can cost big in the long run. And if you are involved in an accident with an underinsured driver, the driver’s insurance policy might not cover your damages. A serious accident may easily cost more than $5,000 in property damage and $15,000 in injury expenses. A San Luis Obispo auto accident lawyer at James McKiernan Lawyers can help you receive enough money to cover your damages.
How to Obtain Compensation
Although the situation is certainly more complicated than with a typical liability claim, you can recover adequate compensation from an uninsured or underinsured motorist. Firstly, you may have uninsured and underinsured motorist coverage under your own insurance policy. After an accident, have your Santa Maria personal injury attorney contact your insurance company and ask about your coverage. Insurance policy documents are lengthy and confusing — you should rely on an uninsured motorist lawyer to review your policy and negotiate with the insurance company.
If you are not covered under your personal insurance policy, you may be able to file a lawsuit against the negligent party’s insurance company. Or, you may be able to sue the at-fault party directly. Let an injury attorney in San Luis Obispo offer legal guidance and recommendations for your unique situation.
Let an Uninsured Motorist Attorney Advocate for You
James McKiernan Lawyers is a law practice is dedicated to fighting for injured victims’ rights. After an accident, mounting medical bills, an inability to work and endless pain can cause frustration for you and your family. We hope to end your suffering and successfully resolve your legal matters. Contact us today or call 800-200-HURT to schedule a free, no-obligation consultation.