How Does Underinsured Motorist Coverage Impact Your Recovery?

When you are involved in a car accident in California, often, you will rely on the insurance of the negligent party to help cover the cost of the damage to your vehicle and your medical care. California is an at-fault state for accidents, meaning the negligent party’s insurance must cover the costs. Unfortunately, if the other party’s insurance policy limit is not high enough to cover the full damages you have suffered, you may be left with the remainder of the expenses. However, underinsured motorist coverage can help cover these outstanding costs. The following blog explores what you must know about this type of insurance, as well as the importance of working with our experienced Irvine auto accident lawyers to explore your legal options.

What Is Underinsured Motorist Coverage?

Underinsured motorist coverage, as the name suggests, is a type of insurance that can supplement your regular auto insurance policy if you are injured by a driver whose insurance is not extensive enough to cover the full extent of your damages.

For example, if you are involved in an accident that caused $50,000 in damages and the other party only carries the state-required minimum policy of $30,000, you would be responsible for the remaining $20,000. However, if you have uninsured motorist coverage and a policy limit of $25,000, this can cover the remaining cost that the other driver’s policy cannot cover.

This additional coverage can help reduce your out-of-pocket expenses for matters like your medical bills, property damage, and lost wages. You can even recover compensation for non-economic damages like pain and suffering.

Can This Help My Recovery?

One of the most important benefits of this supplemental insurance is that it can help aid in your recovery. This additional coverage can help drastically reduce your stress around paying medical bills or losing income if you must take time off work, allowing you to focus your attention on healing.

If you are injured due to the negligent actions of another driver and you want to file a claim under your underinsured motorist policy, enlisting the assistance of an attorney is in your best interest. There are many factors that can impact the outcome of your claim to your insurer, so working with an experienced lawyer can help you in the fight for the compensation you deserve.

At California Personal Injury Law Firm, APC, we understand how overwhelming being the victim of an accident caused by another’s negligence can be. That is why our team is committed to helping you through these difficult times to fight for the justice you deserve. Contact us today to learn how we can fight for you.