Uninsured & Underinsured Motorist Accidents in Carlsbad
Experienced Auto Accident Lawyers with Insider Insurance Industry Experience
If another driver causes an accident—hits your vehicle, damages your car, and causes injuries—but doesn’t have liability insurance or only has a small policy limit that won’t cover your damages, then it is important you have uninsured and underinsured motorist coverage.
These forms of insurance are as follows:
- Uninsured motorist coverage protects you if you are involved in a car accident with an uninsured motorist.
- Underinsured motorist coverage covers you for damages that exceed the amount of liability coverage carried by the other driver, if that driver carries insufficient insurance. This amount will be dependent on your policy limits.
Our attorneys at the Levinson Law Group highly recommend every driver include uninsured motorist and underinsured motorist coverage in their insurance policy in the event that they are involved in a car accident with an uninsured or underinsured motorist in order to receive proper compensation for their losses. If you have questions about your accident case, call us today at (760) 742-5221 for a free consultation.
Do I Need Uninsured Motorist Coverage?
According to a study from the Insurance Research Council (IRC), it is estimated that there are nearly 30 million uninsured motorists in the United States. This would mean about 1 out of every 8 drivers in the country is uninsured. California ranks as the state with the most number of uninsured motorists. It is estimated that there are about 4.1 million uninsured drivers in the state.
Being involved in a car accident with an uninsured or underinsured driver typically results in significant costs that aren’t covered by a basic liability insurance policy. Be careful when choosing your policy limits as California law dictates that insurance companies have to only pay the difference between the limit of an underinsured motorist policy and the coverage of the other driver. Protect yourself and your family by ensuring you have sufficient uninsured and underinsured motorist coverage.
California Liability Insurance: What You Should Know
Under California’s compulsory financial responsibility law, every driver or car owner must be financially responsible for any damage they cause.
The statutory minimum limits of liability insurance in California are:
- $5,000 for property damage
- $15,000 for injury or death to one person
- $30,000 for injury or death to more than one person
Call the Levinson Law Group for a Free Consultation Today!
If you have been injured in a car accident with an uninsured or underinsured motorist, you need to seek legal counsel from a knowledgeable personal injury law firm to ensure you receive maximum compensation for your damages. Contact the Levinson Law Group today at (760) 742-5221 for your free consultation.