A car accident can be one of the most traumatic moments of your life. When the accident isn’t your fault, you’re frustrated and angry, but worse, you’re also perpetually worried about your health and expenses.
To make matters worse, some drivers don’t carry insurance. Even though it’s California law to carry car insurance, some drivers refuse to purchase it. If you have been injured in a car accident by a driver without car insurance, you may think you have an easy case to win against the other driver. You could be wrong.
Consider Protecting Yourself With More Coverage
First off, you can protect yourself with additional coverage. In California, you have the option to add uninsured motorist coverage to your insurance policy. While this may sound like something you don’t need - it is the law, after all, that all drivers carry insurance – this insurance may protect you from drivers who violate the law and don’t carry insurance. In the unfortunate situation you are injured in a car accident caused by a driver without insurance, this coverage can help significantly with your medical bills.
What Happens When a Driver Doesn’t Have Insurance?
Often times, drivers won’t admit they don’t have insurance. If you’re hit by another driver, you should always ask for their insurance information. You may consider taking a photo of the license plate as a precaution. Calling the police is another way to verify insurance, as the report can help later on to prove your uninsured motorist claim. The police may also issue a citation for no insurance.
Once you have insurance information, make sure to supply that to your insurance company and your Los Angeles personal injury lawyer. Your insurance company should contact the other driver’s insurance company and rule out whether they have an active policy.
What Happens When You File an Uninsured Motorist Claim?
You may reach the point where you need to file an uninsured motorist claim with your insurance company. They’re going to help you, right? Not always.
Insurance companies, even your own, are notorious for denying otherwise legitimate claims. Your insurance company will scrutinize your uninsured motorist claim. They may say you were partially at fault and not eligible for full damages. They may argue your injuries are pre-existing or question the severity of your injury.
In most cases, individuals pursuing an uninsured motorist claim need a personal injury lawyer. While you get treatment and recover from your injuries, an attorney can handle the correspondence and negotiation with your insurance company.
A personal injury lawyer will help organize your medical bills and submit a demand that actually requests full compensation for your pain, suffering, lost wages and overall lost quality in life. It’s very difficult to get compensated for non-tangible items on your own.
Call Your Personal Injury Lawyer Los Angeles
Car accidents happen every day on California roadways, including accidents with uninsured drivers. If you find yourself in that unfortunate situation, you deserve a skilled and trusted personal injury lawyer to fight for you.
Steinberg Injury Lawyers has the experience you need to prove your case whether you’re fighting the uninsured driver, your insurance company, or both. We’re here to help you maximize your coverages and get the compensation you deserve.
Contact us today for a free, no obligation evaluation of your case to see how we can help you move forward.