Underinsured/Uninsured Motorist Claims
Underinsured/Uninsured Motorist Claims – UM/UIM
Hurt in a Car Wreck? Ask Our Underinsured/Uninsured Motorist Claims Lawyer in Orange County, California for Help
The only thing that may be more frustrating than being injured by a reckless or careless driver is the fact that the driver does not have any auto insurance like California law requires. Or even if the defendant driver has auto insurance, it is not enough to fairly compensate you for your personal injuries, medical bills, and lost wages. When this happens, our underinsured/uninsured motorist claims lawyer in Orange County, California knows how to help fight for your rights.
Here at Tim Dominguez Law, our resourceful and skilled personal injury attorney can help victims and their families obtain the compensation that they need after an auto accident in California. We know how to check for all viable sources of insurance coverage, as well as seeking for other ways to obtain compensation through a judgment. We also understand that you have been unexpectedly injured by a negligent party without adequate insurance, hurting your prospects of recovering compensation. This is why we offer FREE case evaluations and accept cases on a contingency fee agreement meaning we only get paid after you get paid. Learn how we can help you by dialing NUMBER.
Auto Insurance Requirements in California
Like all other states, California has certain auto insurance requirements that are law. This means that all motorists must carry the minimum insurance or face the prospect of fines. The minimum amounts of insurance required by California law include the following:
– $15,000 – for injury or death of one person in one accident
– $30,000 – for all injuries or deaths suffered by two or more people in one accident
– $5,000 – for property damage.
What is UM/UIM Insurance?
When a defendant fails to follow California law, or has inadequate auto insurance coverage for a serious crash, victims and their families have two options to protect themselves. Although these are extra policies that must be taken in addition to your normal insurance policy, UM/UIM coverage only applies to you and individuals in your vehicle. That means that your premiums paid here are going to the benefit of your family, not other individuals.
Uninsured Motorist Coverage or UM
The first is known as uninsured motorist coverage, or UM. This is a type of auto insurance policy rider or addendum that will take affect when a defendant does not have any auto insurance to coverage your injuries. This means that you can have your UM coverage help pay your damages in a crash.
Underinsured Motorist Coverage or UIM
The second is known as underinsured motorist coverage, or UIM. This is a type of auto insurance policy rider or addendum to your policy that kicks in when a defendant’s auto insurance is inadequate to cover your damages. This is extra coverage in addition to the defendant’s insurance. You must first exhaust that defendant’s insurance before this coverage will apply.
Both of these options can be tricky to find, which is why victims injured in an auto accident could call an underinsured/uninsured motorist claims lawyer in Orange County, California to fully investigate and determine what rights you may have.
How Our UM/UIM Claims Lawyer in Orange County, CA Can Help You
If you or a loved one were seriously injured in a motor vehicle accident where a defendant does not have any auto insurance or inadequate auto insurance, learn how Tim Dominguez Law can help you. Our underinsured/uninsured motorist claims lawyer in Orange County, California can help investigate your coverage and what legal options you have against a defendant. We may hire leading experts to help with our investigation or collection of assets against a negligent party. We do this all on a FREE consultation and a “no win, no fee” guarantee.
Learn more by calling 800-5756-LAW or sending us a secured message through our “Contact Us” box available here.