Uninsured & Underinsured Motorist Coverage
What Every Driver Should Know
At McGee, Lerer & Associates, we see first-hand the devastating effects
of being involved in a car accident. After years of helping accident victims
pursue personal injury claims, we have come to realize something extremely
important. As seasoned personal injury law firm, we cannot stress enough
how important it is to make sure you have uninsured motorist coverage
and plenty of it.
When individuals are involved in a car accident and the other driver is
at fault, the other driver's insurance company pays for the repairs
to the victim's vehicle, as well as any medical expenses and pain
and suffering. But, what if the other driver doesn't have auto insurance?
If you are injured in an auto accident and the other driver is at fault,
but they don't have auto insurance, then you have a slim chance of
being able to pursue a personal injury claim against him or her. Today,
there are more uninsured drivers in Southern California than ever before,
so your chances of being in a collision with an uninsured motorist are
substantial. We urge you to contact a
Long Beach personal injury attorney if you have been injured in a collision.
What is uninsured/underinsured motorist coverage?
This is where uninsured/underinsured motorist coverage comes in. If you
are involved in an accident with an uninsured or underinsured driver,
you could make a claim against your own policy for expenses such as pain
and suffering, medical bills, and lost wages.
Even if the at-fault driver carried liability coverage that wasn't
enough to cover your losses, then your underinsured motorist coverage
would take effect. Furthermore, your underinsured/uninsured motorist coverage
will cover you if you are hit by an uninsured vehicle or while you are
on a bicycle, scooter or while you are a pedestrian.
Fortunately, you will not be penalized for making a claim against your
uninsured/underinsured motorist coverage, meaning a claim will not affect
your insurance premiums. For this reason, it is absolutely critical to
have more than enough uninsured/underinsured motorist coverage. There
is a huge percentage of drivers on California's roads that do not
carry any automobile liability insurance when the numbers are against
you, you can't afford to not carry uninsured/underinsured motorist
coverage in Southern California.
How much uninsured/underinsured motorist coverage should I have?
Take a look at your insurance policy and find out if you presently have
uninsured/underinsured motorist coverage. Having "full coverage"
does not mean that you have uninsured/underinsured motorist coverage.
It's absolutely critical to understand that having uninsured/underinsured
motorist coverage of $15,000 per person/$30,000 per accident is not nearly
enough. We recommend carrying limits of at least $100,000 per person/$300,000
per an accident; however, it's even better to carry $250,000/$500,000.
The cost of such coverage is so minimal; it only represents approximately
10% of your policy premium.
Not sure how to read your policy to tell if you have the coverage?
Click here to see a sample auto insurance “Declarations page,” (the page
which states your policy limits), with the uninsured motorist limits that
Long Beach Personal Injury Lawyer
We recommend not only checking your own policy but check your children's
policies, your siblings, your parent's policies and any other driver
that you care about and make sure that they are carrying enough uninsured/underinsured
Contact a Long Beach personal injury attorney from the firm to discuss your personal injury claim.