California Underinsured Motorist Coverage Injury Accident Attorney

With the high cost of vehicles and medical care in the present day, it is more likely than not that the person who causes your car accident does not carry sufficient insurance to cover your losses. For expert help call us at 800-816-1529.

In California, our attorneys help accident victims pursue successful underinsured motorist claims.

Every driver should be aware that California law mandates they carry a minimum level of liability insurance. This auto insurance is required to ensure that drivers can compensate accident victims for their losses. Contrary to the law, a significant proportion of drivers in our area carry only the minimum insurance coverage, which is frequently insufficient to cover your damages. Let our underinsured motorist accidents law firm explain:

Typically, drivers obtain the minimum insurance required for license purposes. With the high cost of vehicles and medical care in the present day, it is more likely than not that the person who causes your car accident does not carry sufficient insurance to cover your losses.

If you were not responsible for an accident, you should never be required to pay for your losses out of pocket. Especially if the accident occurred because someone else lacked sufficient insurance coverage. When involved in a collision with an underinsured driver, too many people find themselves in this exact situation.

Fortunately, an experienced attorney can assist you if this occurs.

A company with experience filing an underinsured motorist accident claim with your own insurance company to seek reimbursement for your losses.

Your UM/BI policy will cover the difference between the at-fault party’s coverage and yours. When you are in this situation, your insurance company will do everything possible to reduce the amount of money they pay out.

These claims can be complex, so you should always contact The Law Office of Norman Gregory Fernandez & Associates immediately for help. Millions of dollars have been recovered for clients by the Law Office of Norman Gregory Fernandez & Associates. Consequently, you can trust that we will fight for your best interests. Call us immediately at 800-816-1529 for a free case evaluation.

Insurance Statutes in California

To protect the interests of everyone on the road, California law mandates the following insurance coverage for every driver:

• $15,000 per individual for bodily injury
• $30,000 per incident for multiple victims suffering bodily harm
• $5,000 for damage to property

If an underinsured driver does not have enough insurance to cover your losses in a car accident, you will be responsible for covering the difference with your own policy.

Underinsured Motor Vehicle Crashes in California Inflict Harm on Others

You can bet that every driver with inadequate insurance is hoping and assuming nothing bad will occur. However, even if they have gone their entire lives without causing an accident, it can occur when they least expect it. In the event of a collision, they not only put themselves in danger, but they also pose a danger to other drivers. Being underinsured frequently causes severe financial hardship.

When a driver causes an accident, that driver should be liable for all of your losses, including:

• medical expenses
• lost wages
• pain and suffering
• permanent injuries

However, if the responsible driver is underinsured, you will not be compensated for all of your losses.

Another option is to file a personal injury lawsuit; however, if a driver cannot afford an auto insurance premium to cover your losses in an accident, it is likely that they do not have sufficient assets to compensate you. If this is the case, you would be unable to recover your judgment if you get one.

Too many people are left with mountainous bills and losses because a driver had inadequate insurance.

However, you should be aware that paying your own bills is not your only option. You may be able to seek assistance from your own insurance company, and you should discuss this option with the knowledgeable uninsured motorist accident lawyers at The Law Office of Norman Gregory Fernandez & Associates.

In California, underinsured motorists create problems.

Underinsured motorists are not the only ones who can place accident victims in a precarious financial position. While California law mandates a minimum amount of auto insurance, this is the bare minimum coverage a driver can choose. You can always purchase additional insurance to ensure that you and other accident victims are fully covered in the event of serious accidents.

Sadly, and not surprisingly, many drivers choose to carry the bare minimum in order to keep their premiums as low as possible. This may save drivers money, but if they cause an accident, it frequently causes severe hardship for others.

• A driver collides with your vehicle, causing you to experience severe knee pain afterward
• The ambulance transports you to the emergency room, where X-rays and other diagnostic procedures are performed.
• The tests reveal that you have a torn ACL, necessitating surgery, orthopedist visits, and physical therapy.
• You must purchase medication and medical equipment to immobilize your knee.
• You miss a few weeks of work while you recover from surgery, resulting in a loss of income.

Even without considering property damage, your medical bills and lost wages alone exceed $40,000.

When you go to file an insurance claim to pay your medical bills, you discover that the driver only carries the minimum amount of bodily injury coverage, which is ,000. This leaves you responsible for $25,000 in expenses not covered by insurance.

In certain situations, underinsured drivers can cause just as much damage as uninsured drivers.

Even relatively minor injuries frequently result in more than ,000 in losses, so this issue is not limited to those who have suffered paralysis, amputation, or other catastrophic injuries. The good news is that your insurance policy may also assist you in this circumstance.

After being injured by an underinsured driver, the Law Office of Norman Gregory Fernandez & Associates routinely assists clients in obtaining full compensation.

Uninsured and Underinsured Motorist Coverage in California California insurance laws recognize that many drivers leave others vulnerable in auto accidents because they lack adequate insurance coverage. State law also requires auto insurance companies to offer uninsured and underinsured motorist (UM/UIM) policies to policyholders at the time of policy purchase or renewal.

If you decide not to purchase these policies, your insurance company will likely require you to sign a waiver acknowledging that you were offered coverage but declined it. This category includes three types of coverage:

• UM coverage, which covers the costs of bodily injuries to you or your passengers if the negligent driver lacks auto insurance;
• UIM coverage that provides partial coverage for bodily injuries if the negligent driver has insufficient insurance to cover the costs of your injuries;
• UM coverage that provides up to $3,500 for property damage if the negligent driver has no insurance;

If you purchase enough UM and UIM coverage, which is always a good idea, your own policy should cover your losses even if the negligent driver has little or no insurance. Your coverage should extend up to your policy’s limits. For instance:

• If you purchase a policy with a $125,000 limit;
• If you are hit by a driver with only the minimum $15,000 coverage; and
• If you have a policy limit of $125,000 yourself.

You would have $110,000 in remaining losses available to be covered by your own insurance policy.

In the scenario described above, if the negligent driver was uninsured, you would have up to 0,000 to cover your damages.

Your insurance company is not going to just hand the money over to you. We are here to help. Call 800-816-1529 or click here.

California Underinsured Motorist Claims

If you have UM coverage and are injured by a driver with insufficient insurance, you can breathe a sigh of relief. However, your insurance company will not send you a check automatically in this situation. Quite the opposite, as these assertions can be surprisingly difficult.

You may be aware that insurance companies are corporations that are primarily concerned with their bottom lines. In order to maximize their profits, they attempt to limit the amount paid on each claim. You may believe that because you pay your own company’s monthly premiums, they will be more cooperative and accommodating with your UM or UIM payment. Generally speaking, this is not the case.

When it comes to their own policyholders, insurance companies are just as difficult to work with as anyone else. Every dollar they pay on your claim is a dollar out of the insurance company’s pocket, so you can expect them to require you to provide complete proof of your claim and to contest it at every opportunity. It is crucial to have a UM attorney with extensive experience form Your case is being handled by the Law Office of Norman Gregory Fernandez & Associates.

To prove your Underinsured Motorist claim, you must provide evidence of the following:

• The other driver’s carelessness caused your collision and injuries
• The other driver lacked or had insufficient insurance to cover your losses.
• The amount of your unrecoverable losses

You must demonstrate the other driver’s negligence just as you would for any other type of auto insurance claim.

This means that you must prove:

• The driver had a duty of care (which is to drive in a reasonably safe manner);
• The driver breached that duty in some way, which may include distracted driving, drunk driving, speeding, or violating other traffic laws;
• The driver’s breach of duty caused the collision and your injuries; and
• The driver’s breach of duty caused the crash and your injuries.

Additionally, you must provide proof of the value of your claim. This may involve submitting medical bills, pay stubs, and statements from medical or occupational specialists, among other things. It may be more difficult than you think to establish liability for the accident and the amount of your losses. Our law firm understands how to collect and present the evidence required to support your Underinsured Motorist claim.

How Insurance Agencies Contest Underinsured Driver Claims

Even if you believe you have a completely valid claim, you may be surprised by an extremely low settlement offer or outright denial. Insurance adjusters have numerous strategies to contest these claims, including:

• Denying that you have uninsured or underinsured motorist coverage under your policy;
• Challenging that the other driver was negligent and responsible for the accident;
• Challenging whether a hit-and-run driver actually physically contacted your vehicle or claiming you were at fault;
• Attempting to reduce your recovery by claiming you were partially responsible for the crash;
• Attempting to reduce your settlement by challenging the severity of your injuries.

NO COST CONSULTATION

When your insurance company puts up a fight, makes a lowball offer, or denies your claim, you need a tenacious, unyielding advocate. At The Law Office of Norman Gregory Fernandez & Associates, we routinely negotiate with major insurance companies to get our clients the compensation they deserve, and we will not hesitate to file a lawsuit if necessary.

Contact Our Experienced California Underinsured Auto Accident Lawyers Immediately

The team at The Law Office of Norman Gregory Fernandez & Associates is your best bet for assistance with your Underinsured Motorist claim in California.

Over the past 25 years, we have recovered millions of dollars for our clients, and we can assist you. Call 800-816-1529 or contact us online for free information on how we can assist you if you were involved in an accident with an uninsured driver in California.

In California, the Law Office of Norman Gregory Fernandez & Associates has over 25 years of experience handling claims involving auto accidents and underinsured drivers.

The majority of Californians are protected against uninsured and underinsured motorists by their legally mandated auto insurance policies.

If a California driver is involved in an accident with an underinsured motorist, the victim must seek compensation from a person who is likely unable to pay. In this instance, the victim’s insurance company is legally obligated to cover the damages.

Frequently, however, many California drivers are unaware that their insurance policy includes uninsured motorist coverage. If you have underinsured motorist coverage, it can provide you with a significantly higher case value than what your insurance company initially offered.

Numerous individuals believe they are protected by their insurance companies or are reassured by the assurances of other drivers involved in the collision that the damages will be covered. However, a driver can only recover what he or she is rightfully owed with the assistance of a professional, seasoned attorney.

It is estimated that up to 20% of California drivers have no auto insurance, and another 20% have at best minimal coverage. In California, the likelihood of being involved in an accident with an uninsured driver is high.

Contact a California underinsured motorist attorney at our firm for more information and a free consultation if you have been involved in an auto accident involving an underinsured driver.

Our California underinsured motorist attorneys aggressively represent our clients’ interests, and we have decades of experience handling claims involving accidents involving underinsured drivers.

For our clients, we have recovered millions of dollars in underinsured motorist damages and personal injury claims.

Our underinsured driver attorneys in California have the ability to recover damages from your insurance company and the other driver(s), and we will pursue reimbursement for medical bills, pain and suffering, wrongful death, lost wages, and other areas specified by law.

In most cases, you have a legal right to these monetary awards. If we win your case, we will ensure that you are paid in a timely and efficient manner. Contact The Law Office of Norman Gregory Fernandez & Associates today at 800-816-1529 for a free, no-obligation consultation regarding underinsured drivers in California.

Get Help Now

The Law offices of Norman Gregory Fernandez & Associates has over 25 years experience handling personal injury cases all over the state of California. We have handled thousands of cases and obtained millions of dollars in settlements and judgments for our clients. Call now for a no pressure free consultation with an actual attorney. 800-816-1529 extension 1. 

You can download our California Accident App for iOS and Android by clicking here and visiting our California Accident App page. This application will allow you to record and transmit all information related to your Underinsured Motorist Coverage injury accident to our office.