I was hit by an uninsured motorist in Santa Monica, CA. What options do I have to recoup the compensation I need for my accident?
 
The first thing to be aware of is what an uninsured driver is defined as. A driver who is considered to be uninsured is someone who isn’t protected with an auto insurance policy. The state of California requires that its drivers at least carry the following limits under their liability policy:

  • Bodily Injury Coverage- $15,000 per person/ $30,000 per accident.
  • Property Damage Liability Coverage: $5,000 minimum.
  • Uninsured Motorist Property Damage Coverage: $3,5000

[Source: Geico].
 
If a driver cannot even purchase these minimum requirements and isn’t insured, they are considered to be an uninsured motorist.
Now, if you were a driver, trucker, or motorcyclist driving down the roadway, and were involved in an accident with a motorist who wasn’t carrying insurance, you are likely going to need to file a claim using your underinsured/uninsured motorist coverage on your policy. Although California does require its drivers to carry this insurance, if you are only carrying the minimum amount, there is a chance that it won’t be enough to cover your medical expenses.
The fact is, there are a great deal of people driving on our California roadways without insurance coverage. While it is against the law, many can’t afford monthly insurance premiums, yet still need to get around. This generally results in them operating their vehicle without the appropriate protection leaving you at risk of having to pay for your damages as they can’t.
So, if you are looking to become aware of what steps you can take to help get your medical bills compensated for, look no further as USAttorneys.com works with some of the best accident lawyers in the city of Santa Monica, CA and can connect you with these professionals now. Being involved in an auto accident with an uninsured driver and suffering serious injuries isn’t something you want to handle on your own. You will want one of our skilled accident lawyers to be there to provide you with the support and guidance you will need to ensure your medical expenses are compensated for.
 

Can I file a personal injury lawsuit against the uninsured driver?

 
While you can, it is likely that you won’t be able to get much if they can’t even afford an insurance policy with only the minimum requirements. However, if you would like to attempt to do so, we are available to help you find an accident attorney who specializes in personal injury lawsuits in the Santa Monica, CA area.
 

Is full coverage the same as enough coverage?

 
If you are only insured with the minimum requirements stated under California Law, one thing you should know is that just because you have full coverage doesn’t mean it’s enough. If the agent you purchased your policy through stated that you are fully covered, which means your insurance will only cover $3,500 for property damage, while they are correct, it doesn’t mean you will have enough in the event you engage in a serious accident. If you would like to learn more about underinsured/uninsured motorist coverage, get your free-consultation scheduled with one of our knowledgeable accident attorneys in Santa Monica today. They can recommend which limits are the best to purchase and explain why.
Now, if you would like legal assistance to help with your recent accident that occurred in Santa Monica, CA, we are ready and available to take your call.