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If you are in a car accident with an uninsured or underinsured motorist you may be dealing with your own insurance company, the other drivers insurance company, and the other driver if you end up filing a personal injury lawsuit. That is a lot to manage during what is often a very stressful time. The Law Office of John B. Richards, their Santa Barbara car accident lawyer, has a proven track record of negotiating the best possible settlements for clients involved in accidents with uninsured motorists. Contact them for your free consultation today by calling at 805-683-2736.
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Are You Prepared For An Are You Prepared For An Accident With An Uninsured Motorist? Accident With An Uninsured Motorist?
If you drive on the highways and byways in California, you should be aware of who else is driving on the same roads and what could happen if you should get into an accident. California has the most licensed drivers of any state in the US. The Golden State also has the poorest road conditions and the worst traffic congestion. Add to that, it is estimated over 4 million of the state’s drivers are driving without insurance.
That means if you get into an automobile accident and an uninsured motorist is responsible, your own insurance is the only available coverage. If you don’t carry uninsured motorist coverage you could find yourself paying out of pocket for your injuries and property damage. At the Law Office of John B. Richards, their Santa Barbara uninsured car accident attorney has helped hundreds of clients involved in uninsured motor vehicle accidents recover from their insurance companies as well as the uninsured motorist.
Uninsured Motorist Coverage In California Uninsured Motorist Coverage In California Uninsured motorist coverage provides coverage for you in the event that the motorist responsible for causing an accident does not have adequate insurance to pay for the damage to your vehicle and any medical treatment you may require. Uninsured/Underinsured (UM/UIM) motorist coverage is not mandatory in California. When you purchase your auto insurance you must be given the opportunity to purchase uninsured/underinsured motorist coverage and if you do not want to buy it you must sign a form declining the coverage. Basically, you are saying that you are assuming the risk that a motorist you may be involved in an accident with has no insurance.
Why Uninsured Motorist/underinsured Motorist Insurance Is A Good Idea In 2018, California had just over 27 million licensed drivers – 10 million more than second-place Texas. Of those drivers, 15.2% are estimated to drive without automobile insurance. Even if a motorist does carry the minimum insurance limits, they may be woefully inadequate to cover your medical expenses and car repairs in today’s dollars.
The minimum liability insurance limits for private passenger vehicles are: 1 1 2 2 3 3 $15,000 per $30,000 for $5,000 for person for all people for damage to injury/death injury/death property
What to Do if You Are in an Accident with an Uninsured or Underinsured Motorist If you are in a car accident with an uninsured or underinsured motorist you may be dealing with your own insurance company, the other driver’s insurance company, and the other driver if you end up filing a personal injury lawsuit. That is a lot to manage during what is often a very stressful time.
At the Law Office of John B. Richards Law Office of John B. Richards, their Santa Barbara car accident lawyer Santa Barbara car accident lawyer has a proven track record of negotiating the best possible settlements for clients involved in accidents with uninsured motorists. Contact them for your free consultation today calling at 805-683-2736.
Law Office of John B. Richards 137 E Anapamu St Santa Barbara, CA 93101 805-683-2736 https://www.johnbrichardslaw.com/contact/
