Being injured in an auto accident can be a very traumatic experience. Not only are you likely to be in physical pain due to the injuries you have sustained, you may also be unable to work, meaning your income is greatly reduced, and you could be suffering from emotional distress. When you have been injured in an accident, you may feel that things cannot possibly get worse, only to discover that the driver at fault was not insured, so there is no insurance company to claim from. Now what do you do?
If you think that you have no choice but to accept that your costs cannot be recovered, it is time to think again. By working with an expert San Francisco uninsured motorist accident attorney, you could successfully recover the damages you are entitled to, even where no insurance exists.
Although California law requires all motorists to hold valid insurance, there are still far too many willing to take control of a vehicle without it. If you are involved in an accident with an uninsured motorist, the good news is that you can still recover damages, through using uninsured and underinsured motorist coverage – just one of the benefits you will gain from being a law-abiding, fully-insured driver.
It is a requirement under California law for you to be offered both types of coverage when you purchase insurance, although you are not obliged to purchase it. If you opted out, you will have been required to sign a waiver to that effect.
Before you can claim in these circumstances, the accident must have involved physical contact between your vehicle and that driven by the uninsured or underinsured motorist. However, this does not necessarily mean that the two must have collided directly – you could be eligible to claim where an object from the other motorist’s vehicle caused damage to yours. As you can imagine, proving liability in such a case can be complex, and is best left to an experienced San Francisco uninsured motorist accident attorney.
If you have sustained injuries or damage to your property as a result of an accident where an uninsured or underinsured motorist was at fault, you could be entitled to file a claim. However, delaying for too long could affect your entitlement.