Hit by an Uninsured Motorist in San Jose or the Bay Area?
Auto Accident Attorneys in San Jose Provide Advice on Insurance Issues
In the event of a vehicle accident, your safety and the safety of the other drivers is your first priority. A collision is a traumatic event, whether it causes severe injury or not. After safety is confirmed, we are expected to exchange information with the other drivers. But what happens if the other drivers are not insured? Car, truck and motorcycle accidents become even more traumatic if you discover that the other driver is uninsured or underinsured. Our auto accident attorneys in San Jose explain what can happen below.
If you or someone you love suffered serious injuries in an auto accident, you should be rightfully worried about how you are going to recover compensation from the uninsured or underinsured driver. At Needham Kepner & Fish LLP, we have more than 100 years of combined experience practicing personal injury law. We know how to deal with accidents involving uninsured and underinsured drivers. Call us at (408) 956-6949 or contact us online to schedule a free consultation.
How Does Underinsured and Uninsured Insurance Coverage Work?
If you are in an accident with an underinsured or uninsured driver or are the victim of a hit and run, you could still be entitled to receive compensation. When you buy auto insurance in California, you can obtain uninsured motorist (UM) coverage unless you specifically refuse it in writing.
By maintaining this insurance, you and your passengers are covered if an accident with an uninsured driver causes bodily injury. If you are in an accident with an underinsured driver and have underinsured motorist coverage (UIM), your own insurance company covers what the other driver’s policy does not. For example, if your medical costs are $30,000 and the other driver’s insurance covers only $15,000, your own underinsured-driver coverage pays the remaining $15,000.
When you file an uninsured motorist claim with your insurance company, you suddenly become an adversary in your insurer’s eyes — even though you have been paying premiums to your insurer for this coverage for years. Our San Jose personal injury lawyers have practiced both defense and plaintiff’s personal injury law during their long careers, so we know the tactics California auto insurance companies use to delay, deny and/or underpay claims.
How Will My Insurance Protect Me in a Hit and Run?
You have been injured in a car crash, and the other driver fled the scene. Who is going to compensate you for your injuries? Under California law, it is considered a hit and run incident if there is contact between your vehicle and the other driver’s vehicle and the other driver does not stop. Many times, this may seem frustrating and you may be tempted to not file a claim with your own insurance company to avoid the time and effort it would take to file a claim. However, your insurance will often have coverage for this situation built into your uninsured motorist coverage.
Call Our Auto Accident Attorneys in San Jose for Legal Help After a Car Accident
For most people, it is difficult to interpret insurance policies and nearly impossible to apply to current situations. Our personal injury attorneys can explain the policy in common terms and determine exactly what is covered and what is not. Most importantly, we are available if needed to represent you on your behalf to ensure that you receive the full amount of coverage you deserve.
A vehicle accident is a complicated process no matter what the situation may be. But especially when an auto accident occurs with an uninsured or underinsured driver, the attorneys at Needham Kepner & Fish LLP are available to help you recover compensation to cover your damages so you can move on. To schedule a free consultation, contact us today at (408) 956-6949 or online. We handle injury cases on a contingent fee basis, which means that you pay us nothing unless you recover compensation.