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 car accident 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.