How to Deal with an Uninsured Motorist in a Car Accident

Being involved in a traffic accident is definitely one of the more dangerous prospects of driving/traveling in a vehicle. The United States has some of the world’s busiest roads (nearly 280 million vehicles in operation). In 2018, around 12 million vehicles were involved in crashes across the country, including 36,560 traffic fatalities.

When involved in a car accident, any personal injuries sustained by you and your passengers should be your foremost concern. Once you take all the necessary steps to address said injuries, you should take photographs of both vehicles, obtain the other driver’s information and notice whether they’re “under the influence” and whether they were at fault and apologize. Then call the police.

What if the other motorist is uninsured? How do you go about handling that? Well, we’ve prepared this piece to detailing what’s involved in dealing with uninsured motorists in the event of a car accident. Take a look.

Uninsured Motorists and Car Accidents

Once you begin to put the pieces together after a car accident, one of the things that you’ll think about are the costs that will be covered by your insurance policy.

What Will Your Insurance Cover?

If your auto insurance policy has collision coverage, the insurance company will pay for the damages minus the deductible. Depending on the extent of your coverage, the insurance company will also pay for your medical expenses and your injuries. Then your insurance company will subrogate the other party or their insurance company for your deductible and any further monies that your insurance company pays out.

How a Lawyer Can Help in Such a Situation

If the other motorist is the one at fau2lt and if they’re uninsured, then your lawyer can pursue uninsured motorist coverage for the vehicle damages if you have it on your auto insurance policy.

If the other driver is the one at fault, is either uninsured or underinsured), and you sustain injuries in the accident, your lawyer will file a claim under your auto insurance’s uninsured/underinsured provisions relating to bodily injuries and proceed (up to the coverage limits in your policy) to ensure you are compensated.

If you’ve been involved in a traffic accident with an uninsured or underinsured motorist in Chico, CA, it’s crucial that you get a reliable and experienced car accident attorney because, despite the fact that your own insurance company will be handling the claim, there are several hurdles involved in pursuing an uninsured or underinsured claim.

Get in touch with our team at The Law Offices of Ron Marquez to learn how we can help you when you find yourself in such a situation.


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