Dangers of Not Having Uninsured Motorist Coverage

You may be a safe and careful driver. Yet there is a possibility that you or a member of your household will be injured in an auto accident caused by a reckless or careless driver. And according to ICL, there’s a possibility that your car could be hit by another driver on the road. If that driver does not have the insurance or the resources to pay for your medical expenses and lost wages, how will you survive financially?

The answer is in your own policy: uninsured motorist coverage

Two provisions in your insurance policy will cover your injuries, and those of a member of your household, in almost any roadway accident. You do not need to be in your own car — if the car is covered by a policy that includes uninsured motorist coverage, your injuries are covered. You could be hit by a car when walking through an intersection or your child could be injured in a hit-and-run bicycle accident. Your spouse could be driving a rental car. In each case, uninsured/underinsured motorist coverage will compensate you for medical bills and lost income, and your pain and suffering, and all other compensation you are legally entitled to.

If you do not have uninsured motorist coverage

If your own car insurance’s medical payment (med pay, similar to personal injury protection) does not provide coverage for your expenses, your lawyer will consider all other sources, including personal injury lawsuits. Depending on the circumstances surrounding your accident, sources of additional compensation might include the manufacturer of defective auto equipment, a government agency responsible for a dangerous roadway, and a claim related to your employment.

In over thirty years of helping clients throughout the Northern California Area recover compensation for serious injuries and wrongful death, attorney Art Morgan has become skilled at evaluating claims and identifying sources of compensation. If you would like to speak with Mr. Morgan about your injury or wrongful death claim, please call (530) 221-8150 or e-mail our office to arrange a free consultation.

No attorney fees unless we get results

All cases at our firm are handled on a contingency fee basis, meaning that we charge no attorney fees unless our client recovers compensation as a result of our efforts.

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