Car accidents are stressful enough, but the situation becomes even more complicated when the at-fault driver is uninsured. In Los Angeles, where traffic congestion is a daily reality, the risk of being involved in an accident with an uninsured driver is higher than you might think. If you find yourself in this situation, it’s crucial to understand your rights and options. At Bojat Law Group, our experienced car accident lawyer Los Angeles CA, is here to guide you through the process and ensure you receive the compensation you deserve.
Understanding Uninsured Motorist Coverage in California
California law requires all drivers to carry a minimum amount of auto insurance. However, not everyone complies with this requirement. According to the Insurance Information Institute, approximately 16% of California drivers are uninsured. If you’re involved in an accident with an uninsured driver, you may wonder how you’ll recover damages for your injuries, vehicle repairs, and other losses.
Fortunately, California law also requires insurance companies to offer uninsured motorist (UM) coverage as part of every auto insurance policy. This coverage is designed to protect you if you’re hit by a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages. While you can technically decline UM coverage, it’s highly recommended to keep it as part of your policy.
Steps to Take After an Accident with an Uninsured Driver
- Stay Calm and Ensure Safety: Immediately after the accident, check yourself and others for injuries. If anyone is hurt, call 911 for medical assistance. Move to a safe location if possible.
- Call the Police: Even if the other driver is uninsured, it’s essential to file a police report. This document will serve as critical evidence when filing a claim with your insurance company or pursuing legal action.
- Gather Evidence: Collect as much information as possible at the scene. Take photos of the damage, the accident location, and any visible injuries. Obtain the uninsured driver’s contact information and statements from witnesses.
- Notify Your Insurance Company: Report the accident to your insurance provider as soon as possible. Provide them with all the details and documentation you’ve gathered. If you have UM coverage, this is when it will come into play.
- Consult a Car Accident Lawyer: Dealing with an uninsured driver can be complex, especially if your insurance company tries to minimize your claim. A skilled car accident lawyer in Los Angeles, CA, like those at Bojat Law Group, can help you navigate the process and fight for fair compensation.
How Uninsured Motorist Coverage Works
If you have UM coverage, your insurance company will step in to cover the damages that the uninsured driver would typically be responsible for. This includes:
- Medical Expenses: Coverage for hospital bills, surgeries, rehabilitation, and other medical costs related to the accident.
- Lost Wages: Compensation for income lost due to your inability to work while recovering.
- Pain and Suffering: Damages for physical pain and emotional distress caused by the accident.
- Property Damage: Repairs or replacement of your vehicle and other damaged property.
However, insurance companies are businesses, and their goal is to minimize payouts. They may try to undervalue your claim or deny it altogether. Having an experienced car accident lawyer in Los Angeles, CA, on your side can make a significant difference in the outcome of your case.
What If You Don’t Have Uninsured Motorist Coverage?
If you don’t have UM coverage, recovering compensation becomes more challenging but not impossible. You may still have options, such as:
- Filing a Lawsuit Against the Uninsured Driver: While uninsured drivers may not have insurance, they may still have personal assets that can be pursued to cover your damages. However, collecting compensation this way can be difficult and time-consuming.
- Using Health Insurance: Your health insurance may cover some of your medical expenses, but it won’t help with property damage or other losses.
- Exploring Other Avenues: In some cases, you may be able to file a claim under another party’s insurance policy, such as a negligent employer or vehicle manufacturer.
Why You Need a Car Accident Lawyer in Los Angeles, CA
Navigating the aftermath of an accident with an uninsured driver can be overwhelming. Insurance companies often use tactics to delay or deny claims, leaving victims struggling to cover their expenses. At Bojat Law Group, our dedicated car accident lawyer in Los Angeles, CA, has the experience and resources to handle these complex cases. We’ll work tirelessly to ensure you receive the compensation you need to move forward with your life.
How Bojat Law Group Can Help
At Bojat Law Group, we understand the challenges you face after an accident with an uninsured driver. Our team will:
- Investigate the accident thoroughly to gather evidence and build a strong case.
- Negotiate with your insurance company to ensure you receive the full benefits of your UM coverage.
- Explore all possible avenues for compensation, including filing a lawsuit against the at-fault driver if necessary.
- Provide compassionate, personalized legal support every step of the way.
Don’t Face This Alone—Contact Bojat Law Group Today
If you’ve been injured in an accident with an uninsured driver in Los Angeles, don’t wait to seek legal help. The sooner you contact a car accident lawyer Los Angeles CA, the better your chances of securing the compensation you deserve. At Bojat Law Group, we’re committed to fighting for your rights and helping you rebuild your life after an accident. Call us today for a free consultation and let us guide you through this challenging time.