Encinitas Uninsured Motorist Accident Lawyer
Were you recently involved in a car accident with an uninsured driver? Are you being told that you are on the hook for damages caused by another driver’s negligence? Are you dreading the thought of dealing with a stereotypical personal injury attorney? You need a professional attorney who understands what is important to you. You need an Encinitas uninsured motorist accident lawyer who knows how to navigate the insurance industry. You need a lawyer who is not trying to “sell” you on their services by boasting about their multi-million-dollar jury verdicts. You need a law firm that listens to what is important to you.
We are the Levinson Law Group, an Encinitas personal injury law firm that focuses exclusively on car accident cases. Attorney Gordon Levinson, Founder of the Levinson Law Group, created the Levinson Law Group to cater to car accident victims’ needs. With extensive experience working for some of the country’s largest insurance companies, Attorney Levinson and his dedicated team of Encinitas car accident lawyers command an in-depth understanding of the insurance industry and use that knowledge to help clients obtain the insurance benefits they have already paid for. To learn more about your options, give the Levinson Law Group a call. We accept cases on a contingent fee. That means that if there is no recovery in your case, you pay no fee. And in most cases, we even advance all litigation costs.
California Auto Insurance Requirements
Lawmakers have an interest in ensuring that all drivers have car insurance. Without insurance, if a motorist causes an accident, they may not be able to afford to pay for the damages suffered by those injured in the accident.
In California, as is the case in all states but two, drivers are required by law to maintain a certain amount of car insurance. Under California Insurance Code §11580.1b, an insurance policy must provide the following amount of coverage:
- Bodily injury liability coverage: $15,000 per person and $30,000 per accident; and
- Property damage liability coverage: $5,000
Of course, drivers can purchase additional insurance, and, in most cases, that is a good idea, especially when it comes to UM coverage.
Uninsured Drivers Are Common in California
While state law requires all drivers to maintain an active insurance policy, not all drivers take this requirement seriously. An estimated 15.2 percent of all California drivers do not have car insurance. As a result, California ranks 12th for states with the highest rate of uninsured drivers.
However, not every uninsured driver blatantly disregards the insurance requirements. In some cases, a driver may think they are insured, but because of a missed payment or some other technicality, the insurance policy lapses. For an accident victim injured by an uninsured driver, the reason for a driver’s lack of insurance is not important.
The Importance of UM Coverage for Encinitas Drivers
Uninsured motorist coverage is a type of insurance that kicks in when another driver causes an accident, and they do not have insurance to cover the victim’s damages. If the injured motorist has UM coverage, they can file a first-party insurance claim through their insurance company, seeking financial compensation for their injuries.
Unlike many other states, California law does not require drivers purchase uninsured (UM) motorist protection. However, all insurance companies must offer UM coverage and can only write a policy without it if the insured waives the right to purchase the coverage.
UM coverage is critical to recovering compensation if an at-fault driver was not insured at the time of the accident, as well as in a hit and run accident. And, given that more than 15 percent of all California drivers are uninsured, it makes having UM coverage even more important.
Why Injured Motorists Shouldn’t Rely on Health Insurance Coverage
One of the more common questions people ask when thinking about purchasing UM coverage is whether the additional expense is worth it if they have health insurance. If you have health insurance, your health insurance company may cover some of your accident-related treatment costs; however, unless you have stellar coverage, you may still find that you are left with sizeable medical bills. Your share of the medical expenses can easily reach thousands of dollars or more between the co-pays and deductibles.
Pursuing a UM Claim With Your Insurance Company
Insurance companies want us to think that they are there to help us in our times of need. However, in reality, insurance companies are interested in one thing: making a profit. If you have been injured in an Encinitas car accident with an uninsured driver, you should not expect that your insurance company will willingly offer you fair compensation for what you have been through. Instead, the insurance company will often point out why they should only pay you a portion of your incurred damages. Working with a dedicated Encinitas uninsured motorist accident lawyer can help level the playing field between you and the insurance company.
Call the Reputable Encinitas Uninsured Motorist Accident Lawyers at the Levinson Law Group
If you have recently been involved in an Encinitas car accident with an uninsured driver, you should not be the one paying for your accident-related expenses. At the Levinson Law Group, our knowledgeable team of car accident attorneys go over your options with you and advise you on what may make the most sense for you, given your situation. We understand and appreciate that every client is unique and has different priorities and will customize our strategy to fit your needs.
When you decide to work with the Levinson Law Group, you can rest assured that you will have someone in your corner throughout the entire process. To learn more about your options, give the Levinson Law Group a call at 760-512-8088. We accept cases on a contingent fee. That means that if there is no recovery in your case, you pay no fee. And in most cases, we even advance the costs.