Uninsured & Underinsured Motorists
Orange County, CA Uninsured and Underinsured Motorists Attorneys
Claims and Insurance Coverage
Orange County, CA is plagued by uninsured and underinsured motorists causing serious car accidents. By some estimates, half the car accidents in California involve drivers who either do not carry automobile insurance at all or have a policy that is insufficient to cover the damage they cause. Victims in accidents caused by uninsured and underinsured motorists can be made financially whole if they carry insurance coverage designed to fill the gaps left by the other party’s deficient policy. With more than one in five California drivers underinsured, it is common for policies to include this uninsured motorist coverage to ensure adequate compensation in the event of a serious injury accident.
In fact, insurance companies must include uninsured/underinsured coverage in any policy unless a driver waives the coverage in writing. Pro Attorneys urges you to examine the front of your insurance policy to be sure you are covered. If you are unable to locate information on your un/underinsured motorist coverage, call your insurance agent.
When to file a claim
If you do have coverage against uninsured/underinsured motorists, it will activate in the event you are injured by a driver who does not have sufficient insurance to cover your medical bills. The coverage will kick in whether the accident whether the injury occurs while you are driving, riding a bicycle or motorcycle, sitting in another person’s car, or on foot.
The policy covers everyone who lives in your house as well as your minor children who live elsewhere. It also will cover passengers in your vehicle at the time of the accident and even to persons driving your car with your permission. Most under/uninsured driver policies cover not only medical bills but other expenses as well:
- Loss of income
- Reduction of earning power
- Pain and suffering
- Emotional and psychological trauma
- Loss of the ability to enjoy activities
- Other reasonable expenses
An experienced law firm like Pro Attorneys will work to ensure you collect all monies due, enabling you to get your life back to normal. Call Masih Kazerouni, Esq. and his associates at Pro Attorneys for a free consultation if you have been involved in an accident with an under- or uninsured driver, or for any other personal injury matter: (833) 776-3777.