Call for a Free, Confidential Consultation 24/7

How Important is Uninsured Motorist Coverage?

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.



This website ( constitutes “advertising” as that term is defined in California Business and Professions Code section 6157(c) and is also a “communication” as set forth by California Rules of Professional Conduct, Rule 7.1.

Agreement: By using Cohn & Swartzon’s website ( and information, documents, videos and other materials contained herein, you agree you have read and will abide by the following terms and conditions of use. This website is published for informational purposes only. Cohn & Swartzon will not be held liable or accountable if you fail to read or abide by the terms contained herein. If you do not agree to these terms, discontinue use of this site immediately. Even if you bookmark a particular portion of this site and bypass this Agreement, your use of this site still binds you to the terms contained herein. Cohn & Swartzon reserves the right to change/modify these terms at any time.

1. THERE IS NO ATTORNEY-CLIENT RELATIONSHIP CREATED BY YOUR USE OF, OR COMMUNICATION THROUGH, THIS WEBSITE. The submission of a legal inquiry, contact or email through this website, or telephone call, facsimile or other communication through telephone number(s) listed on this site will not and does not create an attorney-client relationship. No attorney-client relationship will be formed with Cohn & Swartzon or its attorneys unless there is a fully signed and dated written retainer agreement between all parties.

2. Any information provided through or via this website by anyone who is not a current, retained client of Cohn & Swartzon is NOT CONFIDENTIAL OR PRIVILEGED and Cohn & Swartzon is not under any duty to keep such information confidential or privileged. Unless and until a formal attorney client relationship exists, Cohn & Swartzon will assume that any information is not confidential and will not be held liable or accountable for the security and privacy of such information or communication.

3. The information, documents, videos and other materials contained in this website is of a general nature and is NOT INTENDED TO CONVEY OR CONSTITUTE LEGAL ADVICE. In addition, the information, documents, videos and other materials contained in this website does not necessarily reflect the opinion of Cohn & Swartzon or its attorneys, employees or clients. There is no guarantee that the information provided is correct, complete, or current, and is not a substitute for obtaining legal advice from a proper, qualified attorney or law firm. You should not act or rely on any such information without first obtaining legal advice from a proper, qualified attorney or law firm. Hiring an attorney or law firm is an extremely important decision with serious ramifications that should not be based solely upon information in this website, communications or advertisements.

4. The case results portrayed in this website were dependent on the facts of each specific case and the results will differ if based upon different facts.

5. This website may contain links to other sources and website but are not intended to imply that Cohn & Swartzon is legally authorized to use or associated with any registered trademark, logo, legal or official seal, or copyrighted symbol that may be reflected in the links.

6. To the extent the State Bar Rules in your jurisdiction require Cohn & Swartzon to designate a principal office and/or a single attorney responsible for this website, Cohn & Swartzon, P.C. designates its office in Orange County, California, as its principal office. 

7. The contents of this website may constitute advertising under the applicable laws and ethical rules of some jurisdictions. If this website fails to comply with the applicable laws and ethical rules of the state from which you view this website, Cohn & Swartzon, P.C. does not wish to represent you. Unless otherwise noted, the attorneys listed on this website are not certified by the boards of legal specialization of any state or governmental agency. The attorneys listed herein are licensed to practice only in the jurisdictions listed in their biographies.

8. Use of this website is at your own risk. This website and all services, information, documents, videos and materials available on or through this site are provided solely “as is” and without any express representations or warranties of any kind. Cohn & Swartzon, P.C. expressly disclaims all statutory or implied representations, warranties, terms, and conditions with respect to the site and all services, information, documents, videos and materials available on or through the site, including the representations and warranties of satisfactory quality, merchantability, fitness for a particular purpose, non-infringement, and title. Cohn & Swartzon, P.C. makes no representation or warranty that the website will be accurate, complete, up-to-date or error-free. You hereby agree that you bear all risks associated with the use of the site, including any reliance on the accuracy, completeness, or usefulness of any information, content, materials on or available through this website.

9. Cohn & Swartzon, P.C. will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages of any kind in connection with the site, nor for any damages for loss of profits, loss of use, loss of data, loss of other intangibles, loss of security of information you have provided in connection with your use of the site, or unauthorized interception of any such information by third parties. Further, Cohn & Swartzon, P.C. will not be liable for damages of any kind resulting from your use of the website or from any information or materials on the site.

10. The verdicts and settlements listed on this site are intended to be representative of cases handled by Cohn & Swartzon, P.C.. These listings are not a guarantee or prediction of the outcome of any other claims