Uninsured Motorist Coverage is Highly Recommended by Most Personal Injury Attorneys
In an ideal world, we could all rely on one another to act morally. Sadly, this is not actually the case. Instead, Californians must be ready to accept responsibility for their own security and wellbeing, regardless of what other people do. Having uninsured motorist coverage is one approach to prepare for other people’s bad behavior. Is it worthwhile, though?
After reading on to get our opinion, call us at 909-982-0707 for a no-cost legal consultation if you have been involved in a car accident.
Imagine the following circumstance
You are hurt severely in a car accident, suffering several catastrophic injuries that will require extensive recovery time and multiple procedures. Your automobile was totaled in this accident, so you will be out of work for a while. The other driver was entirely at blame for the collision. Even the driver’s admission of guilt to the police. Although it may seem obvious that their insurance provider will pay for your injuries, this may not always be the case.
How is that even possible? Because California only mandates $30,000 in total coverage for accidents and $15,000 of coverage per wounded individual. That is assuming the driver is at least somewhat covered; if they are totally uninsured, you would receive nothing from them. What do you do when your damages are approaching $1 million in this circumstance?
Although you could personally sue the driver, there is little chance that you would win
Bringing a lawsuit against the party responsible for the car accident is frequently one of the first options individuals explore. Sadly, the likelihood is that they will just declare bankruptcy rather than hand over $1 million to you. Paying the insurance limitations releases them of any liability in the case that the driver was a kid or someone who was operating someone else’s vehicle, and there would not even be grounds for a lawsuit.
Insurance against uninsured or underinsured drivers may protect you
Your life may be forever altered if you get into an accident with someone who does not have proper insurance. This is why purchasing uninsured/underinsured motorist coverage is frequently a wise decision. It is typically reasonably priced. For $100,000 of coverage, for instance, you might budget about $100 a year.
The operation of this coverage
Actually, the procedure is very easy. When the other driver’s insurance is used up, if they have any coverage at all, the uninsured motorist benefit kicks in. If they are uninsured, the uninsured coverage immediately begins to apply. This additional coverage might mean the difference between a family recovering from an accident and going bankrupt for families who have experienced a major accident.
Which insurance provider for underinsurance or uninsurance is the best?
We at the Law Offices of Fernando D. Vargas specialize in assisting accident victims. We do not have advice on which insurance provider is best to use, and we do not know whether or not everyone needs underinsured or uninsured coverage. Simply so that you are aware of your possibilities, we wanted to share information. Give us a call at 909-982-0707 for a free legal consultation if you have been in an accident.