Uninsured Motorist Lawyer In Rancho Cucamonga, CA

Uninsured Motorist Lawyer In Rancho Cucamonga

Every driver needs to know that California law strictly requires them to have a minimum amount of liability insurance. This auto insurance is required to ensure that drivers can cover the losses of victims if they cause an accident. Despite the law, a significant number of drivers in our state fail to have insurance. Let our uninsured motorist accidents law firm explain:

Often, drivers acquire the insurance they initially need 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 typically take the chance and drive anyway. Driving without insurance can result in serious problems if they cause injury to others on the road.

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 someone else broke the law! A lot of individuals find themselves in this particular situation when they are in a crash with an uninsured motorist.

Thankfully, if this happens to you, an experienced lawyer can assist you. A firm experienced in submitting 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 motorist without insurance, you might 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 situation. Quite the opposite, in fact, as these claims can be surprisingly difficult.

You might be aware that insurance companies are first and foremost corporations that primarily care about their bottom lines. To maximize their profits, they try to minimize the amount they pay on every single claim. You might believe that since you pay your own provider premiums every month, they will be more cooperative and forthcoming with your UM or UIM payment. This is not the case in the majority of situations.

The harsh reality is that insurance companies are equally as challenging to work with when it pertains 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 entirely and that they will dispute your claim any opportunity they get. It is essential to have a highly experienced UM lawyer form First Law Group managing your claim.

In order to prove your UM claim, you will have to show the following:

  • The other driver acted negligently and caused your accident and injuries
  • The other motorist had no insurance or inadequate insurance to cover your losses
  • The value of your uncovered losses

You have to prove the negligence of the other motorist much like any other type of auto insurance claim.

This means you must prove:

  • The motorist had a duty of care (which is to drive in a reasonably safe way).
  • The driver breached that duty by some means, which might include distracted driving, drunk driving, speeding, or breaking other traffic laws.
  • The driver's breach of the duty caused the accident and your injuries.

You need to additionally give evidence of the value of your claim. This may include showing medical expenses, pay statements, statements from medical or occupational professionals, and more. Proving responsibility for the crash and the amount of your losses can be more difficult 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 legitimate claim, you might be surprised when you receive an incredibly low settlement offer or a straight up denial. Insurance adjusters have many tactics to dispute these claims, including the following:

  • Denying that you have uninsured or underinsured motorist insurance coverage under your policy.
  • Disputing that the other driver was negligent and responsible for the accident.
  • Disputing whether a hit and run driver in fact physically contacted your vehicle or claimed you were responsible for the collision.
  • Attempting to reduce your recovery by claiming you were partly responsible for the collision.
  • Attempting to reduce your settlement by challenging the extent of your injuries, the necessity of your medical care, or whether you needed to miss work.
  • Claiming you could have received less expensive medical care elsewhere.
  • Suspecting whether you require future medical care or time off work.
  • Suspecting the pain and suffering you experienced as a result of your injuries.
  • Doubting whether all of your injuries resulted from the accident in question.

When your insurance company protests and makes a lowball offer or denies your claim, you need a serious supporter that will not hold back. At First Law Group, we frequently take on major insurance companies to work out the uses our clients deserve, and we will not hesitate to file a lawsuit against your insurance company if needed.

At First Law Group, we really care about our community and we are driven by our passion for clients. Our personal injury lawyers in Rancho Cucamonga, California are always available to take your call. For a Free Consultation, call us at (626) 888-8264, or visit our website: FirstLG.com

Contact First Law Group

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.

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