Even though 49 states require drivers to have insurance, the number of uninsured motorists has increased by 1.2%, meaning about 28 million drivers are uninsured. Car accidents become even more stressful when the other driver doesn’t have enough insurance or is uninsured.
What should you do if the other driver is uninsured?
Knowing your rights and options helps you deal with this challenging situation. If you get into an accident with an uninsured driver, follow these steps:
- Report the accident: Call the police and file a report. This documentation is crucial for any future claims.
- Gather evidence: Use your phone to take photos of the scene, compile witness statements, and, most importantly, change information with the other driver.
- Inform your insurer about the accident: California law requires an offer of uninsured motorist coverage (UMC) unless you reject it in writing.
California is an at-fault state for car accidents. If the driver is proven to be at fault, they should pay for damages. In addition, the state follows a pure comparative negligence rule that means if you are partially at fault, the court will reduce your compensation by your percent of fault.
How can you protect yourself against underinsured motorists?
Underinsured motorists have some insurance, but it may not be enough to cover all damages. But that does not mean you must take on the rest of the payments. Here’s how you can get the right amount of compensation.
- Purchase underinsured motorist coverage (UIM): This coverage helps pay for damages exceeding the at-fault driver’s policy limits. California law mandates that insurers offer UIM coverage.
- Understand your policy limits: Know the limits of your UIM coverage to ensure adequate protection.
- Seek compensation: If your damages exceed the at-fault driver’s coverage, file a claim under your UIM policy.
These are preventive ways to ensure compensation even with an underinsured motorist. The UMC and UIM protect you in different ways. It would benefit you to utilize them appropriately.
How can you get the best outcome with uninsured motorists?
Handling uninsured and underinsured motorist claims can be challenging. However, having an experienced lawyer will help you advocate for your rights, handle insurance companies, and ensure you receive fair compensation. Having trusted legal support can make a significant difference in the outcome of your case.