Uninsured Motorist Lawyer in Long Beach
Injured by an uninsured motorist? You have a right to compensation.
There are a great number of uninsured drivers sharing the streets and freeways in the Long Beach area. In fact, in the state, the statistics related to accidents are shocking. It is estimated that almost 1 out of every 4 drivers in the state are uninsured or underinsured, while 15 percent of accidents are caused by uninsured motorists. There is an uninsured motorist law that insurance companies must offer coverage to protect against an injury accidents with an uninsured motorist. Not only you, but certain family members are also covered if you have this type of insurance. Your own insurance policy must be accessed to recover damages after suffering an injury in an accident caused by an uninsured motorist. Any person riding with you in your car at the time of the accident, or has been given permission to operate your vehicle is also covered by your policy.
Most drivers in Long Beach recognize the dangers regarding the high numbers of uninsured motorists, and have made arrangements to be covered in the event of an accident. At Overett Group, we can help you to understand your policy and what could be recovered in compensation. The amounts will vary, based upon your level of coverage, but do not listen to the insurance company about this fact. Even your own insurance company that you have paid dutifully, month after month for years, could give you wrong information or try to get you to accept less than you are due under the terms of your policy.
Uninsured Drivers and Injury Accident Claims: Your Own Insurance Policy
Your car insurance policy allows for medical payments in the event of a car accident. This covers the medical bills incurred due to the injuries you or your passengers suffered. Each person injured in the accident can access the full amount of your coverage. For example, if you have $25,000 in uninsured motorist coverage, each person injured can access the full $25,000 for medical bills. This is a special form of coverage in your policy. There are other forms of coverage that you likely have in your policy, including coverage to protect you from an uninsured motorist. Your insurance company is regulated by the state and must have offered you both forms of insurance. This coverage can also be accessed to the limit for each injured person in your vehicle. It is important to carry this form of coverage, beyond what you may have for health insurance, as in a serious car accident, the costs can range as high as $500,000 in the first year alone.
Representation Against Bad Faith Insurance
Your own insurance company could be making it difficult for you to get the payments you deserve. We know this because we have had to resolve this type of claim on many occasions. Why do they make it so difficult? The answer is simple: they do not want to pay you the maximum you are due under your policy. If there is a real dispute, the matter is settled in binding arbitration, under state law. This is much like a trial, but the matter is decided by an arbitrator. We know how to present a case in this situation and how to present all supporting documentation and evidence to increase the chances of a fair settlement.
We have a 100% success rate, so you can't go wrong by contacting our firm if you have been injured by an uninsured driver. We will take all the necessary steps to protect your right to the full compensation you are due under the terms of your policy. Contact our Long Beach car accident attorney for any injury claims related to an uninsured driver. We will protect your right to the compensation you are due under the terms of your policy.