Car accidents lead to extensive damage and severe, life-threatening injuries. If you are involved in a car accident, due to no fault of your own, one of the last things you should have to worry about is how you are going to pay your accident-related expenses.
Depending on the severity of your injuries you may have:
- Costly hospital bills
- Extensive physical therapy costs
- Loss of income from work
- Other financial damates
If you are unable to work following an accident you will not have the income necessary to keep up with your monthly household and family expenses, much less pay the bills incurred as a result of your accident. That is where insurance comes into play.
Providing the liable party has sufficient insurance, you may be able to file a claim or lawsuit to recover the compensation you will need to cover your accident-related costs. If the party responsible for causing the accident does not have insurance or carries insufficient insurance, then you will be forced to cover the medical and repair costs you incurred from your car accident injuries.
Uninsured motorist insurance, on the other hand, will cover your accident-related expenses such as medical costs, lost wages, pain & suffering, vehicle repairs and more when the driver responsible for the accident is uninsured.
Without uninsured motorist coverage, even your own basic insurance policy may not be sufficient to cover your accident-related expenses. It is extremely important to see that you and your loved ones are protected in the event of an accident involving an uninsured motorist.
An estimated 1 in 7 drivers in California are uninsured and approximately 1 in 3 drivers are underinsured. It is not worth the risk to drive without having uninsured motorist coverage. California law even requires insurance companies to include uninsured motorist coverage in every new California auto insurance policy they write, unless the driver specifically declines the coverage in writing.
Having uninsured motorist coverage not only protects you, as the driver, but it protects your family and other passengers in your vehicle as well. The benefits from having uninsured motorist coverage also extend to pedestrian, bicycle and motorcycle accidents. If you have been involved in an accident with an uninsured motorist, you must obtain legal representation immediately. Uninsured motorist cases will lead to gaining access to your own coverage. Insurance companies are quick to dispute uninsured motorist claims, deny claims, or fight hard to settle for the least possible amount.
Your best chance of receiving the compensation you rightfully deserve is by having an aggressive Orange County car accident attorney on your side. To get help protecting your interests, contact Cohn & Swartzon, P.C. and schedule a free initial consultation today.