CAR ACCIDENT – Accident with an Uninsured Driver, What Can I Do?
May 7, 2019
All states require that drivers carry a minimum amount of liability insurance, unfortunately, not all drivers comply with this requirement. The Insurance Research Council estimated that 15.2% of all drivers in California were uninsured in 2015, and currently this number is presumed to be higher. It is situations like these that Uninsured Motorist and Underinsured Motorist Coverage are essential for your own protection. The various types of auto insurance coverage are explained below.
|Type of Insurance||WHO does it Cover?||WHAT does it Cover?|
|Liability insurance compensates a person other than the policyholder for personal injury or property damage. This could be the cost of medical care for people injured in an accident or the repair cost of damage to other vehicles.|
|Medical Payment |
|Policyholder||Medical Payments (often called Med Pay) covers the medical payments of all passengers in the policyholder’s vehicle if they are injured in an accident. Med Pay will cover the medical costs resulting from an auto accident, regardless of who was at fault.|
|Uninsured and Underinsured Motorist|
|Policyholder||Uninsured motorist coverage protects the policyholder if the holder is in an accident with an at-fault driver who doesn’t carry liability insurance. Underinsured motorist coverage, on the other hand, steps in when the policyholder is in an accident with an at-fault driver whose liability limits are too low to cover the damage or medical expenses|
|Physical Damage Coverage||Policyholder’s Vehicle||Automobile insurance coverage that insures against damage to the policyholder’s own vehicle. Coverage is provided for perils such as collision, vandalism, theft, fire etc…|
Accident with an Uninsured Driver / Uninsured Motorist:
If you do find yourself in a car accident with an uninsured driver, these are the steps you should follow:
If you or a loved one have questions about your auto policy or if you were involved in a car accident with an uninsured driver, we invite you to call us today at 619-432-5145 for a free consultation with one of our experienced uninsured motorist attorneys.