Every motorist needs to know that California legislation strictly requires them to carry a minimum amount of liability insurance. This car insurance is needed to guarantee that motorists can cover the losses of victims if they cause a crash. Despite the law, a considerable number of motorists in our state fail to carry insurance. Let our uninsured motorist accidents law firm explain:
Often, motorists get 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 somebody can not afford their insurance, they often take the chance and drive anyway. Driving without insurance can cause serious problems if they cause damage to others while driving.
If you did not cause a crash, you should never have to pay for your losses out-of-pocket. Especially if it's just because another person broke the law! A lot of people find themselves in this particular situation when they are in a collision with an uninsured motorist.
Thankfully, if this happens to you, a seasoned 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 may breathe a sigh of relief when you know that you have UM coverage. But, your insurance company does not immediately send you a check in this instance. Quite the opposite, actually, as these claims can be remarkably difficult.
You might understand that insurance companies are first and foremost corporations that mainly care about their bottom lines. To maximize their profits, they try to limit the amount they pay on every claim. You might believe that since you pay your own provider 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 truth is that insurance companies are equally as challenging to work with when it involves 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 fully and that they will challenge your claim any opportunity they get. It is essential to have a highly skilled UM attorney form First Law Group handling your claim.
In order to prove your UM claim, you will need to demonstrate the following:
You have to prove the negligence of the other driver just like any other kind of car insurance claim.
This means you must prove:
You need to also give evidence of the value of your claim. This may include providing medical bills, pay statements, statements from medical or occupational experts, and more. Proving responsibility for the collision and the amount of your losses can be more challenging than you think. Our law firm knows how to collect and present the necessary evidence to support your UM or UIM claim.
How Insurance Companies Challenge UM/UIM Claims
Even if you think you have a completely valid claim, you may be surprised when you receive an incredibly low settlement offer or a straight up denial. Insurance adjusters have several tactics to challenge these claims, including the following:
When your insurance company puts up a fight and makes a lowball offer or refutes your claim, you need a serious supporter who will not back down. At First Law Group, we frequently take on big insurance companies to bargain the offers our clients deserve, 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.