Uninsured motorist coverage on your insurance policy provides compensation when the negligent driver has no insurance and is unable to pay compensation for medical bills, lost wages and long-term care. Underinsured claims arise when your policy is greater than that of the negligent driver whom is then termed an underinsured driver.
All California drivers are required by law to carry a minimum amount of auto insurance, including personal injury insurance in the event of a negligent accident. While insurance is required to drive, there are an increasing number of motorists on California roads and highways who continue to drive without adequate car insurance coverage. People who are unable or unwilling to pay for auto insurance will usually have fewer resources and assets that could be claimed in a personal injury lawsuit.
Many drivers only carry the minimum amounts of liability coverage required under California law and that minimum amount is rarely enough these days to adequately compensate you for your injuries. Carrying Underinsured Motorist (UIM) or Uninsured Motorist (UM) insurance coverage can help make up the difference between compensation from the negligent individual and the amount you really need to get better.
We represent clients in uninsured and underinsured claims throughout northern California. We understand the devastating and permanent injuries that can result from an unexpected collision with a driver that does not carry adequate insurance.
Our law firm has over 40 years’ experience negotiating and litigating this types of claims with insurance companies as we pursue maximum compensation for:
- Past – Future medical expenses
- Damages for Pain and Suffering
- Emotional trauma and psychological counseling
- Lost wages
- Future loss of earning capacity
- Scars and disfigurement
- Long-term care