An accident with an underinsured or uninsured driver can be nerve-wracking, but you can minimize the complications by ensuring that you have uninsured and underinsured motorist coverage (UM/UIM) and contacting a San Diego injury law firm to assist you with the San Diego, California car accident claims process.

Losses Covered by Uninsured/Underinsured Coverage

Uninsured and underinsured motorist coverage is meant to compensate for: 

  • medical expenses like doctor's visits and prescriptions;
  • lost wages or lost earning potential;
  • property damage to your car or items inside your car; and
  • pain and suffering.  

For these reasons, it is important that you carefully document the elements of your claim from the moment your accident takes place. Keep copies of all medical bills, property damage estimates, and receipts for any expenses you incur as a result of the injuries from your accident.

Insurance companies are only required by law to offer UM/UIM coverage up to $30,000 per person and $60,000 per accident, even if your liability coverage is higher than that amount. Additionally, if your policy is lower than $30,000/$60,000, your policy carrier will only distribute UM/UIM coverage in the amount of your policy.

Many insurance companies, however, will allow you the opportunity to purchase an increased amount of UM/UIM insurance coverage so that it is equal to your standard liability policy. Contact your insurance provider to see if this option is available to you and how much it would be to increase the limits of your UM/UIM coverage.

If you have been injured in a car accident by an uninsured or underinsured driver, ensuring that you have adequate coverage no matter the circumstances of the at-fault motorist's policy is crucial to the protection of you, your family, and your future. The San Diego, California car accident claims process can work for you, and a San Diego injury law firm can help.

Take Control of Your California Claim by Contacting a San Diego Injury Law Firm

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, California car 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.