There is no doubt that 2020 has brought financial hardship to many households throughout California. When this happens, some families have to choose which bills they can pay and which they cannot. Unfortunately, in this situation, many drivers allow their auto insurance to lapse. If a driver with a lapsed policy hits you, they will not have any liability insurance to cover your injuries, property damage, and other losses. Some drivers will keep their insurance but reduce it to minimum coverage, which might not be enough to cover even a fraction of your losses.
Often, when given the option to purchase uninsured or underinsured motorist (UM/UIM) coverage, drivers might choose to keep their premiums lower by foregoing this type of policy. However, in a time when more and more drivers might not have adequate insurance, having UM/UIM coverage might be more important than ever.
What Happens if You are in a Crash with an Uninsured Driver?
After an accident, if you learn that the driver who was at fault has little to no coverage, you might think you will be liable for your own losses from the crash. However, this is why UM/UIM coverage is so important. You can file a claim with your own insurance policy to seek compensation for your losses, which might include:
- Medical bills
- Property damage
- Lost wages
- Pain and suffering
These insurance claims can still be challenging, and it is important to seek help from a Los Angeles car accident attorney to ensure you receive the full settlement from your UM insurer.
Contact a Car Accident Lawyer in Los Angeles
After a car accident with an uninsured driver, the Broadway Law Firm can help. Contact us online or call 213.344.0667 for a free case evaluation and to learn more about our firm.