Sacramento Underinsured Motorist Attorneys

Uninsured Motorists and Car Accidents in Sacramento, California

Throughout Sacramento, car accidents occur daily, and many involve uninsured motorists. You may be surprised to learn that about one out of every three drivers on our roadways in California are uninsured. Many other drivers are underinsured. It is illegal for an individual to drive in the State of California without proper car insurance. However, this has not stopped many people from doing so. If you are involved in an auto accident with an underinsured motorist you need to speak with our Sacramento underinsured motorist attorneys as soon as possible.

The Insurance Research Council has reported that in the state of California, approximately 22% of drivers are uninsured. To make things worse, a number of the uninsured motorists drive very unreliable and unsafe cars. Furthermore, many of them get into accidents. Approximately one out of every two automobile accidents is caused by an uninsured or underinsured motorist.

Sacramento Auto Accidents and Uninsured Motorists

If you are involved in an automobile accident with an uninsured motorist, there are remedies available to you. It's a common mistake to believe if you are involved in an automobile-accident with an underinsured motorist that there is nothing you can do. This is simply not true. While the driver may not have insurance coverage or perhaps carries inadequate insurance coverage, you can still file a compensation suit against that person and obtain a judgment against him or her. If the uninsured or underinsured motorist has any assets, you can then enforce your judgment lien against the individual. 

Additionally, under your own insurance policy, you should have uninsured motorist coverage. Everyone who purchases automobile insurance coverage in California must be offered uninsured motorist insurance coverage as required by law. Unless you have specifically declined it in "writing," you should have the coverage. Uninsured motorist coverage is generally designated on the first page of your automobile insurance policy with the letter(s) "U" or "UM." Your uninsured motorist coverage is specifically designed to compensate you in the event of a loss as a result of an accident involving an uninsured or underinsured motorist.

It is important to note that you do have to be a driver or a passenger of a vehicle in order to be eligible for benefits under an uninsured motorist policy. Even if you are a pedestrian, bicyclist, or bystander, you are eligible for benefits so long as the injuries you sustained are the result of an uninsured or underinsured motorist. In addition, your uninsured motorist coverage also provides benefits to passengers in your vehicle or others who may have been driving your vehicle with your permission.

How a Sacramento Personal Injury Lawyer Can Help You 

If you have been involved in an accident with an uninsured or underinsured motorist, we can help. At the Sacramento Personal Injury Law Firm, we have helped many individuals obtain compensation for their injuries, loss of income, medical expenses, and other associated costs as a result of an accident with uninsured motorists. Our experienced Sacramento Personal Injury attorneys have built a strong reputation for successfully representing accident victims in personal injury cases. We have the knowledge and expertise to take you through the maze of an underinsured motorist compensation claim. Don't delay - contact us today!