Uninsured Motorist Accident Claims
Uninsured Motorist Accident - The California Insurance Code mandates liability insurance coverage for all vehicles operated upon the State's roads. In other words, all drivers and owners of automobiles are required to have insurance. This insurance is to pay victim's in the event they cause a traffic collision. The purpose of this mandated insurance scheme is to help protect society from damage caused by automobiles. It applies to trucks, buses, cars and motorcycles alike. Commercial vehicles, including companies that operate buses, may require higher liability policy limits. In California, the minimum policy for private autos is $15k/$30k, meaning it covers up to $15k per person with a maximum coverage of $30k in bodily injury damages per accident.
Unfortunately, not all drivers have proper insurance at the time of a crash. This could be because they allowed their policy to lapse due to non-payment of premiums. Or it could be because the driver simply chooses to knowingly violate the law by not buying insurance at all. Additionally, many accidents cause damage well beyond the minimum policy limits mandated by California. In situations where no insurance or where there is not enough insurance, uninsured motorist coverage (a.k.a. UMBI) may be available to the victim. Drivers in California are allowed to purchase UMBI to cover bodily injury damages where no or not enough insurance is available. The coverage kicks in upon a showing of no or inadequate coverage from the person who caused the crash. This is an extremely important type of insurance to purchase from your agent if you have the money.
How Uninsured Motorist Accident Claims Work
When someone is hurt in a car accident and has uninsured coverage, they may put in a claim against their own insurance policy up to the coverage they purchased. If the person who caused the accident has no insurance, then the victim's own policy claim may pay up to the policy limit to cover bodily injury damages. In other scenarios, the person who caused the accident might not have enough liability insurance to pay for all the damages they created. UMBI in these scenarios acts as underinsured coverage. In other words, the victim's own policy may pay additional amounts for damages above the other parties maximum insurance liability. In both situations, the hurt policyholder must prove to their own company the underlying facts giving rise to their claim right. Many people retain the legal services of personal injury attorneys to help gather and prove up the value of their case to their own carrier. This is because personal injury law firms have the knowledge and resources needed to extract money. Without a lawyer on their side, injury victim's are left to their own devices to prove their case to their own insurance. This can be a difficult task and does not always work out for the victim despite obvious facts.
Proving UMBI/Underinsured Accident Claims
Uninsured - The policyholder must show that there is nothing on the other side to pay for provable bodily injury loss. This can be done by showing their own carrier a letter of no coverage from the defendant's carrier. It can also be shown where there is a hit and run incident and the person who causes the accident gets away without being caught by police. In any event, the adjuster will perform their own investigation and make a finding of no insurance where none exists.
Underinsured - The policyholder must show that they have collected the maximum amount of liability available from the opposing side and settled out their claim. Then they must also show that their damages exceed the amount collected. Upon a showing, the adjuster decides whether to pay the excess or not. Where there is a refusal to pay, arbitration must be invoked to resolve the dispute. It must be elected within the terms of the policy within the statute of limitations period, which is generally 2 years from the date of loss.
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Uninsured Motorist Accident Claim Lawyer With Injuries.
Putting in a Claim And Resolving Uninsured Disputes
Many times the policyholder/plaintiff has problems proving no insurance and the value of their case to their own carrier. This is when car accident lawyers come in to help. An attorney can collect vital information quickly and present it in a manner the adjuster accepts. If a dispute arises that cannot be resolved about the value of a claim, going to arbitration is the option. The Napolin Law Firm has extensive uninsured/underinsured arbitration and settlement. We have obtained six figure UMBI settlements that have aided in putting our client's lives back on track. If you are dealing with a UMBI scenario and need guidance, talk to us for a free consultation.
The Napolin Law Firm may be able to accept your case with no money up front, and you only pay if money is collected from the carrier. This affordable legal service is made possible through our decision to take your case on a contingency fee. So get a personal injury attorney from our law office on the line to have your possible case evaluated!