Car Insurance UM and UIM Liability
Though car insurance is required to register your car in California, a shocking amount of drivers do not have insurance. Still more drivers have the minimum amount of insurance required by law, which equates to only $15,000 per person, but a total of $30,000 maximum per car – and sometimes this amount is not enough to cover the amount of damage done to your car. In insurance terms, these types of drivers are called uninsured motorists (UM) or underinsured motorists (UIM).
When you are involved in an accident with a person without insurance or with inadequate insurance, everyone thinks to call an insurance agent, but not everyone thinks to call a car insurance attorney. Many people think that they do not have any options if a UM/UIM hits their car and causes them harm.
However, because insurance companies are aware of this problem, they offer UM/UIM insurance. In California, this type of insurance is included in your policy unless you specifically waive the coverage in writing. While many people are afraid that drawing any type of insurance money will increase the premiums that they pay, this is untrue. As long as you are not at fault for the accident, your insurance company cannot raise your premiums if you have to draw on this type of coverage.
However, the nature of insurance companies is to avoid paying out as much as is possible. Even if they do pay out for your personal injuries or car damages, they may also attempt to “settle” with you for terms that waive your future rights. A good car insurance attorney can advocate on your behalf to make sure that your rights are protected.
If you sustain damages from an uninsured motorist, you also may be able to personally sue that motorist. In those instances, an experienced car insurance attorney can make sure that you receive your due payment for another’s negligence and subsequent harm.
The Law Offices of Steven Brian Davis have served North County, San Diego as a car insurance attorney for over thirty years. Our offices build personal relationships with our clients, delivering excellent customer service. This relationship allows us to advocate on behalf of our clients to the best of our abilities.
Call The Law Offices Of Steven Brian Davis today: (858) 451-1004
