CAR ACCIDENT – What to do when Injured in an Uninsured Accident
August 7, 2019
Clients often ask what to do when they find themselves injured in an uninsured accident. In situations where there is an uninsured accident, uninsured motorist coverage and underinsured motorist coverage is essential. Prior to an uninsured accident we would hope that California drivers confirmed they were adequately covered and protected under their own uninsured motorist coverage. If you find yourself in the unfortunate situation, of being injured in an uninsured accident, these are the steps to follow:
If you have any questions about your uninsured motorist coverageor were involved in an uninsured accident, we invite you to call us today at 619-432-5145 for a free consultation with one of our experienced uninsured accident attorneys and uninsured motorist lawyers.
The various types of auto insurance coverage, including uninsured motorist is 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…|