This additional policy option is common in California, where insurance providers are required by law to offer UM/UIM insurance unless it's declined in writing by policyholders. When you're in an accident with an uninsured or underinsured driver your UM/UIM policy will cover the damages up to the limits of your policy.
It's important to note that in these cases, your insurance provider is paying for the damages, not someone else's. This changes the dynamic between insurance company and policyholder. It's an unfortunate reality of the industry that providers will downplay the gravity of your injuries and damage in order to minimize the amount of funds they are required to pay out.
An injury firm in San Diego, California can defend you against your own insurance company when they drag their feet on responding to your claim or if they're unwilling to make a reasonable settlement offer that provides for all of your injury's expenses.
By law, California drivers must have liability coverage for their automobiles, but it's estimated that about 1 in every 3 drivers have no car insurance and that many more have inadequate insurance. Check your policy to see what the limits of your UM/UIM coverage is and contact an attorney if you are injured by an uninsured or underinsured driver.
Take Control of Your San Diego Traffic Accident by Contacting an Injury Firm in San Diego, California
Accident attorney Mark C. Blane and his legal team aren't like some of the other San Diego injury attorneys you may have met with or seen ads for around town. Our goal is to educate our clients - even those whose San Diego traffic accident claims we don't take - so that you not only understand the legal process ahead of you but the basics of San Diego injury law and your legal rights.
You can get started by ordering one of our FREE injury guides including Wolf in Sheep's Clothing: What Your Insurance Company Doesn't Want You to Know and Won't Tell You Until It's Too Late! or The 10 Secrets You Need to Know About Your Injury Case Before You Call a Lawyer. Contact us today to schedule your appointment - 888-845-6269 or 619-813-7955. We are proud to serve San Diego's Spanish speaking population and even offer our FREE California personal injury book en Español.