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What is Uninsured Motorist Coverage?

Knowing how to navigate the aftermath of a car accident can greatly influence the outcome of your claim. Many drivers recognize the importance of obtaining the other driver's contact and insurance information as the first step toward securing compensation for their losses. However, even though this is required by law in most states, the driver who caused the accident may be uninsured or underinsured, making it difficult to receive fair compensation.

If you’ve been injured in a collision with an uninsured driver, understanding uninsured motorist coverage is crucial to recovering compensation for your injuries and losses. At the Crash Relief, we are committed to ensuring that accident victims know their rights and legal options. Our network of experienced car accident lawyers is dedicated to pursuing justice and securing the compensation you deserve. With a proven track record of achieving the best possible outcomes for our clients, we are ready to leverage our expertise to support your case.

Uninsured Motorist Coverage Explained

Uninsured and underinsured motorist (UM/UIM) coverage are essential types of car insurance that every driver should consider. Uninsured motorist coverage helps pay for property damage and medical expenses if you're injured by an uninsured driver. In contrast, underinsured motorist coverage provides compensation for injuries and damages that exceed the limits of the at-fault driver’s insurance policy.

These coverages protect you not only when you’re driving but also as a pedestrian, bicyclist, or even as a passenger in another vehicle. UM/UIM coverage also offers protection in hit-and-run incidents, as long as there is physical contact between your vehicle and the hit-and-run vehicle.

Before pursuing an uninsured motorist claim, it's important to understand the two main types of coverage: bodily injury and property damage.

• Bodily injury coverage compensates accident victims for medical expenses, lost income, and pain and suffering.
• Property damage coverage pays for repairs to your vehicle.

Having a clear understanding of these coverages can provide crucial protection on the road, especially when others fail to drive responsibly.

When Does Uninsured and Underinsured Motorist Coverage Apply?

In California, victims can only claim uninsured and underinsured motorist (UM/UIM) coverage if the at-fault party’s liability policy provides less coverage than your UM/UIM policy. For example, if the at-fault driver’s liability policy and your UM/UIM policy have equal coverage amounts, you would not be eligible for UM/UIM benefits. However, if you have $30,000 in UM/UIM coverage and the at-fault driver has a $20,000 liability policy, you may be able to claim up to $10,000 in compensation from your insurance.

UM/UIM policies come with specific requirements and conditions, similar to your regular auto insurance policy, that must be met for coverage to apply. Additionally, some policies may require UM/UIM claims to be resolved through mediation or arbitration instead of the legal system. It is essential to carefully review your policy’s details and consult with an experienced attorney who understands the steps necessary to pursue a successful UM/UIM claim.

How an Attorney Can Help You With an Uninsured or Underinsured Motorist Claim

Navigating an uninsured or underinsured motorist (UM/UIM) claim can be complex, but an experienced attorney from the Crash Relief’s network can provide crucial assistance in the following areas:7

• Experienced Guidance: An attorney will explain UM/UIM coverage and requirements, ensuring you fully understand your rights and potential compensation.
• Evidence Collection: Your attorney will gather vital evidence to support your claim, such as photos, witness testimonies, and police reports.
• Insurance Negotiation: Your attorney will negotiate with insurance companies to maximize your compensation and counter any attempts to undervalue your claim.
• Litigation: If necessary, your attorney will represent you in court, ensuring your rights are protected throughout the legal process.
• Peace of Mind: By handling the legal complexities of your claim, your attorney allows you to focus on your recovery and health.

Working with an experienced attorney significantly enhances your chances of a successful UM/UIM claim, ensuring you receive the compensation you need to recover from your accident-related losses.