San Diego Uninsured Motorist Accident Lawyer

California law requires every driver to have the minimum liability coverage on their auto insurance. Minimum coverage breaks down into the following:

• Up to $15,000 per person for bodily injuries.
• Up to $30,000 per accident for bodily injuries for multiple parties.
• Up to $5,000 in property damage.

These amounts may seem like a lot, but all it takes are an ambulance ride, some diagnostic tests, surgery, rehabilitation, and some lost wages. You can then find yourself with insufficient insurance to cover your damages, meaning you are left to pay most of your medical bills.

Underinsured drivers buy the bare minimum insurance policy to save money. Their actions can cause you harm if they are in an accident with you since you will still need to pursue financial compensation from someone. Underinsured individuals can be as challenging to deal with as uninsured ones, so insurance companies often lump them together.

Following any motor vehicle accident, the first thing to do is call 911. The police need notification of the accident, and police record documentation is required to receive compensation. You or others may require medical attention.

Following this call, try to record as much information from the accident scene as possible. Talk to eyewitnesses and get their contact information. Take pictures of your injuries and the scene with a cellphone camera (provided your phone works). Assess the damage to your vehicle and take photos of this too.

Once emergency services have taken you to a doctor, it is crucial to have them give you a thorough examination. The doctor should add your injuries to your medical record. Medical professionals can also provide you with a medical treatment plan to have you on the road to recovery in no time.

Secure a San Diego uninsured motorist accident lawyer by contacting Mova Law Group – Personal Injury Attorneys. We will book you a free consultation with a personal injury attorney as soon as possible. Your next step will be getting your insurance company to determine if you have UM/UIM coverage, and you will want legal support. When you hire us as your lawyers, we will ensure that you do not get manipulated into accepting a lowball settlement offer. Let us handle the negotiating and dealing with insurance companies while you focus on your recovery.

California is a fault-based state, meaning that in normal circumstances, the insurer for the at-fault driver would pay for your damages. Since these are not normal circumstances and they do not have an insurance policy, you must file a claim against your driver’s insurance. Doing so may seem fine, but the truth is that your policy has upper limits on the payouts for UM/UIM claims. The company would like nothing more than not to give out its money.

Having a personal injury lawyer on your side comes in handy here. Your own insurance company may come after you with challenges to your uninsured/underinsured motorist claim. They might claim you are at some fault; deny you purchased UM coverage; suggest your injuries are not serious or did not come from the car crash; question your time off work; or even challenge whether your accident was a hit-and-run. This is hardly fair since you are their paying customer, but it happens often. 

An uninsured motorist accident attorney means you have someone who will fight these unfair challenges. You do not deserve this treatment when someone else is at fault here. How do we help as your legal representation?

• We assess your motorist insurance to ensure your company isn’t cheating you out of any potential coverage. We will negotiate the policy limits of your claim with your insurer. Our team will provide legal representation for you at the negotiating table.
• We will build your uninsured motorist claim against the negligent driver. We will help collect evidence, interview your witnesses and consult experts in medicine and accident recreation. We handle all the tedious work while you recover and focus on your health.