How are Accidents Involving Uninsured Motorists Handled?

One of the most important things to do following a car crash is for the drivers involved to exchange information. However, what happens if the driver responsible for the crash flees the scene of the accident? Even more, what happens when they don’t have insurance coverage information to exchange?

This is a situation that can put a ton of stress and concern on you as an injured party who needs to pursue compensation. Thankfully, the state of California offers uninsured motorist and underinsured motorist coverage for those injured to still recover compensation even if the responsible driver doesn’t have coverage.

Who Compensates Me After an Uninsured Motorist Crash?

As long as you have coverage for uninsured motorist, your claim for this type of accident goes through your own insurance company. It is your own insurance company with which you will file a claim as there is no possible way to seek a claim with the negligent party.

Uninsured motorist coverage policies often come with various limits that determine how much you may be able to recover in the event of an accident. These limits work similar to liability limits and any costs in excess of the minimum purchased coverage becomes your responsibility.

Can the Insurance Company Decline Uninsured Motorist Coverage?

Part of the problem you may encounter during an uninsured motorist claim is the potential for a denial. While insurance companies often promote their dedication to protecting their policyholders, they don’t always adhere to the coverages they provide.

Because they’re looking out for their profits like most big corporations, they may try to deny a claim for uninsured motorist coverage. When this happens, the legal action you may take is done so against your own insurance company.

Our Santa Monica car accident lawyers recognize how difficult this situation can be. You trust your insurance company to care for you and protect you in a time of need. When that trust is broken, you need someone on your side to protect your rights.

At McGee Lerer, we are committed to guiding you through the process, protecting your rights, and pursuing the compensation you deserve when you need it most. Count on us to hold the insurance company to their word.

Call us at (310) 692-9582 today and speak with a lawyer about your potential case.