We continue to stress the importance for drivers to review their uninsured motorist coverage on their policies. The fact remains, Southern California is popular when it comes to hit-and-run accidents, and the chances of being hit as a motorist, bicyclist, or pedestrian by an uninsured or underinsured driver are well above 50%.
Hit and runs are more likely with pedestrians and bicyclists because there's not a means to reach the driver. Unfortunately, if you suffer a serious injury in this situation, chances are your only means of compensation is your own insurance provider. No matter your coverage, it's best to include uninsured/underinsured motorist to your policy to protect you in the event you need to rely on your own provider after a crash.
Below, we'll explain the following:
- How uninsured motorist coverage works
- Why it costs less to include uninsured motorist coverage
- How a lawyer helps with uninsured motorist claims
If you need to discuss your case in a free consultation, give us a call today: (310) 928-9081.
How Uninsured Motorist Coverage Works
Imagine you're involved in a crash, and the other driver either doesn't have insurance coverage, or they collide into your vehicle and leave the scene. In most situations, you would file a claim against the at-fault driver's insurance provider. However, if the other driver leaves or doesn't have insurance, you will have to rely on your own insurer for compensation.
You should still take photos as evidence to provide to your insurance provider. Your insurance company would require proof that there was physical contact between you, your vehicle, and the other driver. If you cannot prove physical contact, your claim will most likely be denied.
Why It Costs Less to Include Uninsured Motorist Coverage
Coverage for uninsured motorists should equal liability coverage. Unfortunately, many drivers look at the additional costs and refuse this type of coverage. Some drivers feel like it would cost more each month. However, it can end up costing you more if you don't have uninsured motorist coverage.
The total cost to add uninsured motorist coverage is nominal, and it protects you in the event you are involved in a hit and run. Without this type of coverage, you may need to cover the costs of your losses on your own. You wouldn't be able to receive compensation for your damages, putting you in an even more significant financial burden.
How a Lawyer Helps with Uninsured Motorist Claims
Even when you have uninsured motorist coverage on your policy, you have to remember that insurance companies prioritize profits. It's not always easy to obtain compensation, even when you have a policy that should protect you. It's important to have legal counsel in case insurance adjusters try to wrongfully deny your claim.
A lawyer can present evidence that helps you file a claim with your insurance company. You have the burden of proof to show contact, and an experienced legal advocate can help you accomplish this with your rights to compensation in mind.
At AgnewBrusavich, we work hard to help you no matter what type of claim you need to file. Uninsured motorist coverage exists to help you during a difficult situation, and insurance adjusters should not make it more difficult to obtain compensation.
Our Torrance car accident lawyers stand in your corner every step of the way. We have the experience and tenacity necessary to safeguard you from tactics insurance adjusters may try to use against you. Let us be your trusted allies, and we'll go above and beyond to help you. We have more than 35 years of experience, and we're prepared to put our experience to work for you.
Call our firm today at (310) 928-9081 to learn more about your rights. We offer free consultations to help you get answers without having to worry about a financial commitment. We're here for you!