For most people who are involved in a car accident, it is one of the most traumatic things they ever experience. It is never fun but when it is someone else’s fault the feelings of frustration and anger can get the better of the best of us. It is also likely you are worrying about your expenses, your medical bills, and lost time from work.
What can make this situation even worse? Finding out that the at-fault driver did not have the required insurance California indicates they should have. If this has happened to you and you have uninsured motorist coverage, you may assume it is a cut and dry situation. Not so fast. Read on to learn why it may be more complicated than you think, then contact Law Offices of Fernando D. Vargas at 909-982-0707 to request a free legal consultation.
Drivers often will not admit that they do not have insurance
It is common for an uninsured driver to not be willing to simply admit that they do not have insurance. When you are involved in an accident you should always insist on getting contact information and proof of insurance. If they do not allow you to do this, or you have reason to believe that the information they are giving you is less than accurate, then you may consider taking a picture of their license plate.
If there are any injuries or property damage of more than $1,000 you will also need to call the police. The police will verify insurance and include all relevant information regarding it on the police report. It is likely, if the person in question does not have insurance, that they will be issued a citation.
The difficulties of filing an uninsured motorist claim
Once you file an uninsured motorist claim, it is easy to get it approved – right? Not necessarily. Remember that all insurance companies have one goal: To ensure their profits are as high as possible. This goal is incompatible with offering full value on every claim submitted to them.
Your insurance company may argue any number of things to try and deny your claim. They may say that you were partially at fault and therefore not eligible for all the damages you are requesting. They may say that you had pre-existing conditions or they may outright question your injuries in the first place.
Let us handle the headache of getting your insurance claim approved
We highly recommend that anyone seeking an uninsured motorist claim at least get a free legal consultation from a personal injury attorney. You should focus on getting treatment and recovering from your accident. We can file all necessary claims and follow up on them as necessary.
If you have been injured in an accident with a driver who was uninsured or underinsured, contact Law Offices of Fernando D. Vargas at 909-982-0707 now for a free legal consultation.
