Accidents with an Uninsured Motorist
Seek Just Compensation with Our San Jose Car Accident Lawyer
Automobile accidents in California can be troubling times. After injuries are determined and
proper care is administered to ensure a speedy recovery, accident victims
are left to handle the more tangible aspects of the accident. Specifically,
vehicle repair and / or replacement are often the second most important
issue pertaining to traffic accidents, with personal injury being the first.
Associated with this critical issue are insurance companies and insurance
coverage, the latter being that which enables an accident victim to acquire
the necessary funds to repair an accident-damaged vehicle. However, not
all motorists carry enough insurance coverage, and some may carry none
at all, at which point skilled legal representation accustomed to dealing
with uninsured / underinsured motorist accidents are sought and matters
are handled at a much more effective rate.
Contact Caputo & Van Der Walde LLP's
San Jose car accident attorney to pursue justice! We offer
free case evaluations.
Understanding California's Uninsured Motorist Law
In the state of California, motorists are legally required to have current
car insurance on the vehicle they drive. However, some motorists choose
not to have coverage, either because insurance costs are too high or they
assume that insurance is a waste of money because, in their minds, the
likelihood of an accident is so small that paying for insurance seems
to be a waste. Consequently, all other motorists who do carry insurance
often protect themselves and their financial well-being by having uninsured
and underinsured motorist accident insurance coverage.
The following details the minimum insurance requirements:
- $5,000 for damage to property in an accident
- $15,000 for the injury or death of 1 person in an accident
- $30,000 for the injury or death of 2 or more individuals in an accident
As many as 15% of drivers in California do not have driver's licenses,
and are thus driving without auto insurance. Many others have inadequate
insurance for the damage they may do to others. It is illegal for a person
to drive without a driver's license or car insurance. It is important
that every driver acts responsibly and has "uninsured motorist"
coverage in case of an accident with an uninsured driver.
We are here to help you. We offer
complimentary consultations to our prospective clients.
What is uninsured / underinsured motorist insurance?
Uninsured / underinsured motorist insurance ensures that your insurance
company, in the event that you are in an accident with another motorist
who does not have insurance coverage, will cover the costs associated
with your medical bills and / or damaged property up to a certain dollar
amount. In the event that the motorist with whom you are in an accident
with is underinsured, and you have underinsured motorist coverage, your
insurance company will pay the difference between the amount that you
need and the limited amount that the negligent party's insurance covers
(this amount that serves as the difference will not exceed the amount
of coverage for which you pay). In any event, there is always a cap on
the amount of the settlement that your insurance company is willing to
pay, according to the stipulations of the policy.
Funds sought from insurance companies can help cover the costs of:
- Medical bills
- Monetary compensation for injuries
- Vehicle repair or replacement
- Wages lost/to be lost in the future
However, insurance companies, in being businesses looking to profit as
much as possible, oftentimes may undercut settlement payouts, attempting
to short change unsuspecting injured motorists who are oblivious to the
tactics that insurance companies engage in order to minimize costs.
Call Caputo & Van Der Walde LLP at (800) 900-0863 Today
If you or a loved one has been involved in an accident with an uninsured
or underinsured motorist in Northern California, please
contact us at (800) 900-0863.