Riverside & San Bernardino Uninsured Motorist Attorneys

Serious car accidents are by nature unpredictable and upsetting events. However, getting into an accident with an uninsured or underinsured motorist can make an accident even more nerve-wracking.

Accidents with uninsured and underinsured drivers raise many important questions. How will you cover your medical expenses if the other motorist doesn’t have insurance? Who will pay to repair car damages? Take a deep breath. An uninsured attorney at The Reeves Law Group can explain uninsured motorist coverage and discuss your options with you.

Your Own Policy

A lot of accident victims wrongly assume that they don’t have any options when they get into an accident with an uninsured or underinsured motorist. However, our lawyers will discuss with you how you can receive coverage from your auto insurance policy. Our lawyers can also explain how those involved in hit and run accidents can receive coverage from their auto insurance provider.

Those who purchase auto insurance coverage in California must be offered coverage for accidents with uninsured motorists. Unless you have declined, in writing, this coverage your policy probably includes coverage for uninsured motorists as well as hit and run drivers. Many also have underinsured motorist coverage (UIM).

If you and your passengers suffer physical personal injury you are also covered by uninsured motorist coverage (UM). In addition, if another person is driving your car and gets into an accident he or she is covered by your uninsured motorist coverage.

Underinsured motorist insurance compensates for the difference between the insurance limits of the other driver and the total damages for physical personal injury. For example, if the other driver’s policy covers $20,000 and your medical bills are $40,000 then your UIM will cover the remaining $20,000. Keep in mind that UM and UIM motorist coverage is often provided together.

Dangerous Roads

Accidents involving uninsured and underinsured drivers are a huge problem in California. Over 14 percent of drivers in California either remain uninsured or don’t have full coverage. The California Department of Insurance has found that uninsured and underinsured drivers are more prone to be in accidents than insured drivers. These drivers put the insured and more responsible drivers at greater risk.

Personal Injury Protection (PIP)

Our Riverside & San Bernardino car accident lawyers can help those who have claims that exceed the limits of the UM/UIM coverage. We’ll examine your policy’s personal injury protection (PIP). The PIP generally covers medical expenses, loss of employment income and accident death and funeral expenses. Whether or not you were at fault does not affect your coverage.

Insurance policies are hard to read and even more difficult to understand. Our personal injury attorneys will translate your policy into easy to understand English (or Spanish) and walk you through what is covered and what is not covered. We will help you receive the complete amount of coverage that you are owed.

Feel free to speak with us today for a free initial consultation and evaluation. Our phone number is (800) 801-1569. We are here to help and we represent clients throughout California.