According to the California Highway Patrol, almost 1,500 car accidents happen daily. Car accidents can lead to significant financial strain due to medical bills, repair costs and loss of income. This financial burden becomes even more challenging when the person at...
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Uninsured / Underinsured Motorist (UM/UIM)
What to do after being hit by an uninsured driver
Car accidents happen. In California, auto insurance is mandatory. Active policies assure there is money available for treating injuries or replacing property. Unfortunately, many still drive without insurance, meaning you could wind up lacking compensation. Following...
What are the problems with uninsured drivers?
An uninsured driver is a problem for everyone else on the road. When that driver makes bad decisions and causes an accident, it leaves you with all the burden. A 2019 report from the Insurance Information Institute found that California ranked within the top 10 states...
How do I collect a civil judgment?
When you take another person to court for negligence, such as for a car accident, your case is in civil court. This means the verdict will only involve the exchange of money and no punishment, such as prison time. Within the civil system, the court will make an order...
Who benefits from uninsured / underinsured motorist coverage?
A recent report by the Insurance Research Council (IRC) concludes that one out of every eight drivers in the U.S. does not carry auto insurance. When negligent uninsured or underinsured motorists (UM/UIM) injure others or damage property, victims often have little...
Do I have to get uninsured/underinsured motorist coverage?
Auto insurance is a requirement in California, but the state only requires specific coverage. You do not have to get all the products an insurer may offer you. General liability insurance typically will only cover the damage you do to someone else in an accident. For...
What to know if you are in an accident and the other driver is uninsured
Many California drivers have no auto insurance. According to a 2021 study by the Insurance Research Council, uninsured motorists accounted for 12.6 percent of motorists nationwide, or about one in eight drivers. A 2019 list of the top 10 highest percentage of...
What makes uninsured motorist coverage important?
If you get hit by a driver who does not carry automobile liability insurance, you will feel glad you have uninsured motorist coverage. Even if securing coverage from your insurer proves challenging for you, the effort is well worth it because not possessing uninsured...
How can I receive compensation after an accident with an uninsured motorist?
Getting into a car accident no matter the circumstances is an unnerving experience, but when an uninsured motorist causes the accident, it increases the issues immensely. The National Law Review explains that when an uninsured motorist is at fault for damages you...
A look at uninsured and underinsured motorist coverage
It is a situation that can turn nightmarish for some drivers. They suffer a collision from an irresponsible driver, and then it turns out the at-fault driver does not even have liability coverage, leaving the innocent party with expenses they should not have to cover....