Uninsured Motorist Claims in Southern California
SFV Car Accident Attorney - (818) 783-8446
Have you been injured in a motor vehicle accident in the Greater Los Angeles
area? As you may well know, Los Angeles and its surrounding areas are
known for having severe traffic, congested roads and constant construction.
The chances of getting into an accident are higher with crowded streets.
You also run the risk of getting into an accident with an uninsured motorist
because there are many drivers in California that drive around without
automobile insurance coverage. If you or one of your family members has
been involved in an accident and the other driver fled the scene or did
not have insurance coverage, find out how a San Fernando Valley
car accident lawyer can help you.
There are far too many motorists, pedestrians, and bicyclists that are
injured by hit & run drivers. In those instances, who is going to
pay for the damages? If you file a claim against the negligent driver
who caused the accident and they don't have any insurance, you may
end up receiving no compensation. What should you do? You don't want
to waste time taking them to court and suing for damages because if they
file for bankruptcy, they won't have anything left to give you. This
is when uninsured motorist protection comes in handy.
Uninsured Motorist (UM) Insurance Coverage
Fortunately, if you ever find yourself in this situation, there is a solution!
If you carry auto insurance, you can check to see if you have uninsured
motorist protection included in your policy. UM coverage is included in
most auto insurance policies unless the driver waives it. If you do have
uninsured motorist insurance coverage, you would file a claim with your
own insurance company so that they can compensate you for any losses.
Although many people are scared to file a claim against their own insurance
company, it is important to remember that this is a part of the policy
that you pay for. UM coverage is included in your insurance premium, so
don't be afraid to take advantage of it. If you are worried about
your insurance premium going up because you were in an accident, don't
be! In California, your automobile insurance costs don't go up unless
the accident was your fault.
What does uninsured motorist insurance cover?
Even though sometimes UM does not cover as much as the other driver's
insurance would have simply because of different policy limits, it can
still pay for the majority of the damages including:
- Ambulance bills
- Hospitalization costs
- Medical testing
- Prescription medications
- Lost wages
- Loss of future income
- Pain and suffering
- Loss of enjoyment of life
You are not able to seek punitive damages with UM claims unless your insurance
company acts in bad faith during your case. It is important to realize
that your own insurance carrier has an obligation to handle your UM claim
in good faith.
File an uninsured motorist claim today!
Are you looking to file a UM claim? I can help! If you have been injured
by a uninsured driver, The Law Offices of Joel Parker can help you file
an uninsured motorist claim with your insurance company. If your insurance
company tries to wrongfully deny or underpay your claim, my firm can help
keep them in line and hold them accountable for covering the damages.
You should know that there is a Statute of Limitations that you are held
to in these cases which gives you a time limit on how long you have to
file your claim.
Contact The Law Offices of Joel Parker to speak with a San Fernando Valley car accident lawyer from my firm today
to get started on your case.