Car accidents are very traumatic but are also very common. The first thought someone has following a collision is usually, “Am I alright?” followed quickly by, “Is everyone else alright?” followed even more quickly by, “How much is this going to cost!?”
Cars are expensive, and with times as tight as they are, the thought of massive car repairs can send even the calmest among us into a full-blown panic. Add to that the fact roughly 15% of the drivers on California roads are uninsured, and you have a nightmare in the making.
But the majority of this headache can be solved with a simple insurance policy change. Adding underinsured/uninsured motorist coverage to your policy ensures that you will not be paying out of pocket no matter who hits you. We recently had a client who was rear-ended by an uninsured driver. Normally, she would be able to make a claim against the at-fault driver’s insurance, but since the other driver didn’t have any, she had to rely on her own policy. We assisted her in making a claim with her carrier, and since she was not at fault, her premium did not go up at all.
Waiving underinsured/uninsured motorist coverage may help you save on monthly payments, but it is a bad idea in the long run. To learn more about how keeping this insurance can save you money, check out our past blog titled Don’t Waive Uninsured Motorist Insurance.
It is illegal to drive in California without insurance, so some drivers assume that underinsured/uninsured motorist coverage is a waste of money. Sadly, just because something is illegal doesn’t mean it never happens. There will always be uninsured motorists on the road, which means the responsible among us will always need coverage.
If you do wind up injured by an uninsured motorist and need help securing the funding you deserve from your own insurance company, call Herrera Law for help. We have helped clients in your situation before (like the one mentioned above), and we are confident that we can secure financial compensation with minimal consequences for you. We are here to assist you day and night. So call as soon as you can, and we will start working on your case!