Uninsured/Underinsured Motorist Attorneys in Sacramento
Do Not Settle for Less than You Deserve
Any car accident that causes injuries creates a difficult situation to recover from. Matters become even more complicated when an at-fault party has insufficient insurance or no insurance at all. How will you get the money you need to pay for your medical bills, lost wages, and other damages?
You may be eligible to collect uninsured/underinsured motorist coverage through your own insurance company. Carichoff Law Group, P.C., a reputable personal injury firm in Sacramento, is here to help you understand all of your options for compensation. We have over two decades of experience negotiating with big insurance companies for fair settlements for our clients, and we are not afraid to take them to court.
Contact our Sacramento uninsured/underinsured motorist lawyers at (916) 471-6098 today.
How Uninsured/Underinsured Motorists Claims Work in California
Uninsured/underinsured motorist coverage is for accidents that are caused by a driver who does not have auto liability insurance or whose premium does not fully cover the damages. The state of California requires the provision of UM coverage for auto liability policies, although it can be voluntarily declined in writing.
Types of UM/UIM coverage available in California include:
- Uninsured motorist bodily injury
- Uninsured motorist property damage
- Underinsured motorist
To collect from an UM/UIM policy, you must have been struck by a vehicle. However, you do not need to be in a vehicle. You could be outside the car looking under the hood or pumping gas. UM/UIM coverage is also available for pedestrians who were walking, bicycling, skateboarding, or even sitting on a bench.
The key to recovering compensation from an UM/UIM policy is establishing that the liable party either has no insurance or does not have sufficient insurance to cover the costs of your injuries.
Your Next Steps After an Accident
If you have been struck by an uninsured or underinsured motorist in Sacramento, be sure to contact the police within 24 hours of the accident. You will also need to report the incident to your insurance company within 30 days after the incident. If you have missed these deadlines, you should still call right away for a chance of recovering on your policy.
In addition to these steps, be sure to contact Carichoff Law Group, P.C. for a free evaluation of your claim. When you choose to hire our legal team, we can ensure that you get the compensation you are entitled to.
Call (916) 471-6098 now to speak with our experienced personal injury attorneys in Sacramento.