Uninsured & Underinsured Motorists

Know Your California Car Insurance Policy

San Diego Personal Injury Attorneys: Uninsured/Underinsured Motorists

Serious brain injuries, spinal cord injuries, or even fractures that require multiple surgeries or hospital stays can result in hundreds of thousands of dollars in medical expenses — in just the initial days or weeks after a car accident. Then there are expenses from ongoing medical treatment, pain medication, physical or occupational therapy, accommodations to a home or vehicle... The list goes on — and may continue to go on for years. What happens when compensation from the at-fault driver is inadequate — or worse — when the driver cannot be found or is not insured?

At David P. Beeson & Associates, our attorneys help car accident victims and their families understand the insurance coverage available after a car accident or other motor vehicle accident. We do everything possible to ensure all avenues of compensation for your injuries or losses are pursued. Contact our San Diego law firm to discuss your rights and your personal injury case.

Uninsured and Underinsured Motorists Coverage: Protect Yourself First

California laws require minimum liability insurance coverage of $15,000 for injury or death to another individual and $5,000 property damage (regardless of fault). If you have been involved in a serious car accident, you know how quickly this amount is exceeded.

If you are injured in an accident and the other driver is an uninsured driver or lacks sufficient liability coverage to compensate you for your injuries, additional coverage may be available under your own car insurance policy. Make sure you understand your plan coverage, including fine print, before purchasing your policy.

• Uninsured motorists: While California laws require all automobiles on the roads to carry minimum liability coverage, there are still drivers who will violate insurance laws. Additionally, in a hit and run accident, it can be difficult to track down the other driver and his or her insurance company. Having additional uninsured motorist coverage in your own plan can assure you are protected.
• Underinsured motorists: When liability coverage is inadequate to fully compensate you, additional coverage can be sought from your own underinsured motorist coverage in your car insurance policy up to policy limits.

Talk with an experienced car accident lawyer about your rights and about the insurance coverage that may be available to you after a car accident. For a free initial consultation with a San Diego personal injury attorney at David P. Beeson & Associates, call 619-618-2983 or 866-706-2015, or contact us online. Se habla español.