Uninsured Motorist Accident Lawyer in San Diego
Getting in a car accident is enough of a hassle. Between the paperwork, car repairs, and doctor visits, an accident takes time and effort to resolve. Things only get more complicated when the other driver does not have insurance. While law requires that drivers have at least a minimum liability insurance, some accidents cost more than the insurance will pay or the driver does not have insurance at all. What do you do if you get in an accident with an at-fault driver who does not have the necessary insurance to cover an accident?
Underinsured Motorist Coverage
One method to prevent yourself from getting into this kind of bind is underinsured motorist coverage. This auto insurance policy provides coverage for injuries if the other driver has little or no insurance. While this may increase the cost of your insurance premium, it will certainly pay off in the long-run. It is better to have it and not need it then need it and not have it! If you get into an accident with an uninsured or underinsured driver, your underinsured motorist coverage will pay the difference between what the driver is able to pay and the compensation you are entitled to.
What Happens When You Are in An Accident With an Uninsured Driver?
If you get an accident with a driver who has skirted the law and does not have any kind of insurance, it is likely you will not have any kind of coverage if you do not have uninsured motorist coverage. If you do have uninsured motorist coverage, it is likely that the insurance requires you to both: 1. Call your insurance company and report it within 24 hours or sooner, and 2. Call the police and obtain a police report. If you do not have uninsured motorist coverage, you may sue the party at fault for the accident to make a claim for some of their assets as compensation for the damages. However, in many cases, people who do not have auto insurance do not have assets to sufficiently cover the damages the accident incurred. If they do have assets, you need a lawyer to help.
Sue the Uninsured Party for Compensation
When the driver at fault does not have insurance, you should contact an experienced lawyer to sue them to get the damages covered. You have done nothing wrong and were safely driving when you got struck and the onus to pay for these damages should not fall upon you. It is important to find a lawyer who will fight for you to get the damages covered by the party at fault or an insurance company.
Bates Law, APC Can Get You Compensation For an Uninsured Driver Accident
If you are involved in an accident with an uninsured driver in San Diego, contact a lawyer at Bates Law, APC immediately. Our team will figure out a way to make sure you get the assets and compensation you need to repair your vehicle and cover any medical expenses. We know insurance companies and their policies inside and out and can provide you with all of the information you need to succeed. If you are interested in learning more, give Bates Law a call today at (619) 222-0900.