When you’re in a car accident and you get hurt, it can be nerve-wracking
as well as stressful and terrifying. As medical bills pile up and your
expenses mount, you wonder how you’re going to pay for it all. You
deserve compensation for your injuries, but then you file your lawsuit
and discover that the other driver didn't have enough insurance or
no insurance at all.
What happens next? Learn what happens when you’re hit by a driver
with no car insurance, and how a car accident lawyer can help you work
Uninsured Motorist Coverage
One way you can help to ensure you get paid in an accident where the other
driver isn’t insured at all is to carry uninsured motorist coverage.
This insurance exists to protect you in exactly these situations. Even
if the other driver isn’t covered, they are still technically liable
for the damages you suffer, but if they don’t have the money to
pay, it may be hard to collect.
By carrying uninsured motorist coverage, you can file a claim against your
own insurance company, and get paid up to the limit of your own coverage.
Underinsured Driver Coverage
Underinsured motorist coverage, on the other hand, protects you in cases
where the other driver has insurance, but not enough to cover the damages
you have suffered. However, in these cases, your insurance will only pay
out an extra amount that amounts up to the total of your coverage. Put
another way, it will cover the difference between your coverage and theirs.
For example, let’s say that you’re in an accident worth $225,000,
but the responsible driver only has $150,000 in coverage. You, on the
other hand, have a policy of $200,000. Your insurance would not pay the
remaining $75,000 to meet the total damages. It would pay an additional
$50,000, to your total coverage (the difference between their policy and yours).
How Much Can I Carry?
This is something important to keep in mind. You can only carry an amount
in underinsured or uninsured driver coverage, in total, equal to your
primary coverage amounts. So, in the case above, you would need to have
primary coverage of at least $200,000 as well. The reason for this is
that it costs less to carry under- or uninsured coverage, which could
stand to cost insurers a great deal if they didn’t limit the coverage
you could carry.
Calling a Car Accident Lawyer
The best way to ensure you get the full compensation you can for your accident,
and that you take the proper steps, even if it’s filing under your
own policy, is to hire an
experienced car accident lawyer. From dealing with insurance companies that are resisting payouts or trying
to lowball you, to helping you make the right decisions and fighting for
your rights, accident attorneys will be your best ally and your best option
to collect the maximum possible damages for your case.
We’ve helped people just like you in their California accident cases
since 1975. If you need representation in pursuing your case, call the
attorneys at Dunnion Law Firm for help and a free discussion of your case today.