What Does Uninsured Motorist Coverage Mean for Your Compensation?

When you are involved in an accident caused by another driver’s negligence, the last thing you may expect when exchanging insurance is to discover that they have no coverage. Unfortunately, you may be unsure of what this means for your compensation. However, if you have uninsured motorist coverage, you may be relieved to discover that this can help cover the cost of the damages you have endured. The following blog explores this type of insurance in further detail, as well as explaining the benefits of working with our Irvine auto accident lawyers to discuss your legal options.

What Is Uninsured Motorist Coverage?

Uninsured motorist coverage is an additional policy that you can include in your auto insurance plan. In fact, it is often automatically included in your plan unless you specifically opt out. This, as the name suggests, provides liability coverage if struck by a driver without insurance, allowing you to file a claim with your insurance to cover the cost of the damages incurred. Additionally, it can help during a hit-and-run accident in which you are unable to locate the offender.

How Can This Impact the Compensation I Recover?

This coverage is essential to help protect yourself. Without this kind of insurance, you can end up with the burden of the medical bills, property damage, and lost wages caused by the negligent party, as they do not have the means to pay you. However, with this insurance, you can file a claim with your insurance company to recover the damages sustained which can help significantly ease the financial burden of being involved in an accident.

Unfortunately, many without uninsured motorist coverage will find that the fight for the compensation they deserve is incredibly difficult, even if they pursue a personal injury claim against the negligent driver themselves. Depending on the other party’s financial circumstances, they may be unable to pay you all or even a portion of the court-ordered damages, ultimately leaving you responsible for the damages caused by their negligence.

It is important to understand that, even though you are filing a claim with your own insurance under this policy, the company may still attempt to undervalue, delay, or deny the compensation you deserve. As such, it is critical to ensure you connect with an experienced attorney as soon as possible to help you in the fight for the compensation and justice you deserve.

Navigating an uninsured motorist claim in California can be incredibly difficult which is why working with an experienced attorney with California Personal Injury Law Firm, APC, is in your best interest. Our firm understands how difficult these matters can be, which is why we are committed to assisting you in the fight for the compensation you deserve. Connect with us today to learn more.