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Protecting What Matters Most

Orange County Uninsured Motorist Claims Lawyer

What to Do If You Are Injured by an Uninsured or Underinsured Motorist

According to the Insurance Research Council (IRC), one out of every seven drivers in the United States is currently uninsured. This serious problem can directly affect you—if you are hit by a motorist who doesn’t have auto insurance, you will have a difficult time collecting compensation for your resulting damages. The same is true if you are hit by a motorist who only carries the state’s minimum liability insurance coverage, as this may not be enough to cover the full cost of your damages.

If you were recently hit by an uninsured or underinsured driver, filing a claim suddenly becomes much more complicated, but Gill Law Group, PC is here to represent you in any capacity you may need.

What Is Uninsured/Underinsured Motorist Coverage?

When the at-fault driver has no insurance or insufficient coverage, there is a good chance they will be unable to compensate you for your injuries or the full cost of your damages. All hope is not lost, however, thanks to uninsured motorist coverage.

Uninsured motorist/underinsured motorist (UM/UIM) coverage protects you if you get hit by an uninsured driver or a driver who only has the minimum liability requirements. UM/UIM coverage also protects you if you are injured in a hit and run accident and are unable to obtain the other driver’s insurance information.

In California, UM/UIM insurance is elective, meaning you are not required to have this type of insurance. However, your auto insurance company is required to offer it to you. If you are unsure whether you have UM/UIM coverage, review your auto insurance policy or contact Gill Law Group, PC for help. Our Orange County uninsured driver accident attorney can help you navigate the complexities of filing a UM/UIM claim or taking further/additional legal action.

How Does Uninsured Motorist Coverage Help Me?

The purpose of uninsured motorist/underinsured motorist coverage is to pay for your losses when the other driver cannot do so. California drivers can choose the amount of coverage they want to purchase based on certain state limits. When you have uninsured motorist coverage, you can make a claim against your own insurance company for your injuries and property damage.

Uninsured motorist coverage can cover all of the following:

  • Medical bills
  • Lost wages and earning capacity
  • Pain and suffering
  • Loss of enjoyment of life

According to state law, all uninsured motorist claims must be filed within two years of the incident. If the accident was a hit and run, you are required to file a police report to receive compensation from your insurance company.

Contact Us for Help with Your UM/UIM Claim

Filing an uninsured motorist claim can be much more challenging than an ordinary car accident claim. No matter what, you deserve to be compensated for your losses.

Schedule a free consultation with our firm’s Orange County uninsured motorist attorney for the personal representation you need. We will take the time to listen to you, learn your goals, and build a solid case aimed at securing the maximum compensation you are entitled to receive.

Call Gill Law Group, PC today at (949) 681-9952 to get started. We can review your case for free!

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