Uninsured & Underinsured Motorist ClaimsAll drivers in California are required to carry insurance with a liability limit of at least $15,000 per person and $30,000 per accident. Unfortunately not all drivers follow the law and drive without any insurance. When a driver who causes an accident carries only a minimal policy limit that insurance is often insufficient to fairly compensate the injured person. If you have been injured by the negligent actions of an uninsured or underinsured driver you may still be able to obtain full compensation for your injuries. Most insurance policies in California include "Uninsured Motorist" coverage that will allow you to obtain compensation through your own insurance policy when you are injured by an uninsured driver. Uninsured Motorist coverage also operates as "Underinsured Motorist" coverage when the person who caused your injury does not have policy limits high enough to fully compensate you. In this instance your Uninsured Motorist policy limits can be used to supplement the low limits carried by the responsible party. Making a claim under your own Uninsured or Underinsured Motorist policy will not increase your premiums. It is very important to hire a lawyer who understands the rights and obligations of an insurance company in Uninsured and Underinsured Motorist cases. At Ernst Law Group, ALC we have handled hundreds of uninsured and underinsured motorist cases for our clients. We are happy to speak with you about your case.
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