What Happens If a Driver Hits You and Is Underinsured / Uninsured?

What Happens If a Driver Hits You and Is Underinsured / Uninsured?

Imagine you’re driving down the road and suddenly, another vehicle hits you. They’ve caused significant amounts of damage to your vehicle and you’ve suffered injuries as a result. You try to gather the necessary information only to find out they don’t have the minimum insurance. What do you do?

Unfortunately, this is a common occurrence as many drivers do not abide by the laws in the state of carrying minimum liability coverage. As a result, individuals are left wondering who is going to pay for their damages following a car accident in which the negligent driver is underinsured or uninsured.

When someone is involved in a car accident, they expect their medical expenses, lost wages, and property damage to be covered by the negligent party’s insurance company. However, if they don’t have insurance, the injured party must explore other options.

While California does not require anyone to carry this particular coverage, insurance companies do offer uninsured motorist coverage in which individuals can seek compensation from their own insurance company when they are not at fault and the responsible driver doesn’t have coverage.

It's a difficult situation to endure, but not all insurance companies are willing to pay out claims because they are more focused on their own profits. They care more about their bottom line than they do about the people they cover.

When claims are wrongfully denied or an injured person needs help-seeking compensation, they may turn to legal professionals to help. This is where our San Francisco car accident lawyers can be of help. We work hard when insurance companies fail to compensate policyholders and injured individuals when negligence results in a car accident.

At Rouda Feder Tietjen & McGuinn, we are truly dedicated to protecting the rights of you and your family when you need it most. Trust that we put our all into helping you seek the rightful compensation you deserve so you can move forward after a devastating accident.

If you need help seeking compensation, call us at (415) 940-7176 today.