As many of us already know, every automobile insurance policy in California must include uninsured motorist coverage unless the insured waives the coverage in writing. However, not all drivers know that the uninsured motorist clause also covers damages occurred as a pedestrian, bicyclist, or motorist when a hit-and-run accident occurs.
While this added coverage helps victims in the most perilous situations, insurance companies typically fight these claims as vigorously as third party claims. Often, legal assistance is required since pursuing an uninsured motorist claim against your insurance company can be a daunting experience. Therefore, it is a good idea to at least consult with a personal injury attorney before pursuing one of these claims on your own to avoid mistakes that can later diminish the value of your claim.
There are several intricate details required to properly file an uninsured motorist claim. For example, while the insurance policy will cover all damages that the uninsured driver would be legally responsible for (pain and suffering, medical expenses, time off work, & etc.) the coverage will be limited by the total amount of your insurance coverage. $15,000 is the minimum required by California Law. However, many policies have much higher limits built into them that can be tapped if the proper legal procedures are taken.
Further, immediately following your accident, the injured party must file the proper forms with the DMV, police and insurance company. Failure to properly file these forms within the statute of limitations can result in a voided case.
If you or a family member has been injured in a hit-and-run accident, you can benefit from the help of a skilled personal injury attorney. Ultimately what must be proven to win a case is that someone else was negligent or careless and that it was their negligence or carelessness that caused your injury. At Cohn & Swartzon, it is our duty to prove this. We encourage you to bring your personal injury case to our accomplished attorneys at Cohn & Swartzon, regardless of the type of accident or injury you have suffered from. Contact us today and sign up for a free case evaluation!