In some parts of California, as many as 50 percent of all drivers are uninsured. Many more carry only minimal liability coverage. If you are injured in an accident caused by an uninsured or underinsured driver, you will need to find other sources of coverage to pay for your damages. One source that many people overlook is their own uninsured and underinsured motorist (UM/UIM) Coverage.
UM/UIM coverage is insurance coverage you carry to protect yourself and your family against uninsured or underinsured motorists. Most drivers in California who have insurance also have UM/UIM coverage.
If you file a UM or UIM claim, it means that you, as the claimant, file a claim against your own insurance company. However, your insurance company then steps into the shoes of the other driver's insurance company and defends the driver at fault. There are many ways your insurance company can avoid paying you the compensation you deserve. To protect your rights, you should consult an experienced lawyer as soon as possible.
When you present an uninsured or underinsured motorist claim to your own insurance company, they have an obligation, both contractually and statutorily, to be fair, just, and reasonable in responding to your claim. If your insurance company is not fair, just or reasonable, attorney Tom Reinecke can pursue what is called a "bad faith" claim against your insurance company.
If you have been injured by an uninsured or underinsured driver, call California personal injury lawyer Tom Reinecke at 800-275-8326 for an immediate consultation with no obligation. Save $500 in lawyer fees by filling out our simple "What Is My Case Worth" form.
Remember, there is never a fee unless we win your case.
Let us fight for you. Submit your case to us using the form below or via the contact us page.