Every motorist should understand that California legislation strictly requires them to carry a minimum amount of liability insurance. This auto insurance is needed to guarantee that motorists can cover the losses of victims if they cause a collision. Despite the law, a significant number of motorists in our state fail to carry insurance. Let our uninsured motorist accidents law firm explain:
Frequently, drivers acquire the insurance they initially have to have for licensing reasons. They then allow the policy to expire due to higher insurance premiums charged in California compared to other states. Even if someone can not afford their insurance, they often take the chance and drive anyway. Driving without insurance can result in significant problems if they cause harm to others on the road.
If you did not cause an accident, you should never have to pay for your losses out-of-pocket. Especially if it's just because somebody else broke the law! Too many people find themselves in this particular situation when they are in a collision with an uninsured motorist.
The good news is, if this happens to you, a skilled attorney can help you. A firm experienced in filing an uninsured motorist accident claim with your own insurance company to seek coverage of your losses.
Uninsured Motorist Claims in California
If you get injured by a driver without insurance, you might breathe a sigh of relief when you realize that you have UM insurance coverage. However, your insurance company does not automatically send you a check in this instance. Quite the contrary, in fact, as these claims can be remarkably challenging.
You might understand that insurance companies are first and foremost corporations that mainly care about their bottom lines. To maximize their earnings, they try to minimize the amount they pay on each and every claim. You may assume that because you pay your own company premiums each month, they will be more cooperative and forthcoming with your UM or UIM payment. This is not the case in most circumstances.
The harsh reality is that insurance companies are just as difficult to deal with when it comes to their own policyholders. Every dollar they pay on your claim is a dollar out of the insurance company's pockets, so you can expect them to require you to prove your claim completely and that they will dispute your claim any opportunity they get. It is vital to have a highly skilled UM lawyer form First Law Group handling your claim.
In order to prove your UM claim, you will have to show the following:
This means you need to prove:
You have to also give evidence of the value of your claim. This might include providing medical expenses, pay statements, statements from medical or occupational professionals, and more. Proving liability for the accident and the amount of your losses can be more difficult than you think. Our law firm knows how to collect and provide the required evidence to support your UM or UIM claim.
How Insurance Companies Dispute UM/UIM Claims
Even if you believe you have a completely legitimate claim, you might be surprised when you receive an incredibly low settlement offer or an outright denial. Insurance adjusters have several tactics to challenge these claims, including the following:
When your insurance company protests and makes a lowball offer or refuses your claim, you need a serious supporter who will not back down. At First Law Group, we frequently take on major insurance companies to work out the offers our clients are entitled to, and we will not think twice to file a lawsuit against your insurance company if needed.
At the First Law Group, the client comes first. Contact us today for a free case evaluation where we will discuss your health needs first, then get you the compensation you deserve.