Accident Attorney / Personal Injury Lawyer in Northridge, California. ALCA has handled 1,000s of personal injury cases successfully. FREE CONSULTATION 818-718-2522.
What is Uninsured/Underinsured motorists?
Uninsured Motorist Bodily Injury will pay for damages when a covered person is injured and the person at fault for the accident does not have liability insurance.
Underinsured Motorist Bodily Injury will pay for damages when a covered person is injured and the person at fault for the accident does not have enough liability insurance.
Uninsured/Underinsured Motorist Property Damage will pay for damages when a covered vehicle is damaged and the person at fault for the accident does not have liability insurance or does not have enough liability insurance.
Why should you have underinsured and uninsured motorists coverage?
Very simple; to protect yourself against those grossly negligence and careless drivers out there that drive without are car insurance or minimum coverages; who do not care who pays for your medical bills, property damage, and pain and suffering that are a direct result of their actions.
As of 2012, 14.7% of drivers in California are uninsured!!! Are you willing to take that chance?
Underinsured and uninsured motorist coverage applies from as simple as the at fault party does not have insurance to you are in a traumatic, devastating accident where the at fault insurance policy does not have enough coverage to cover all your medical expenses.
If you are wanting more details, and explanations, please feel free to call in to Accident Lawyer of California for a free consultation.
We live in a world where people are always trying to save money and cut corners. Most people I talk to or run into, do not even know what coverage they have, and they constantly mistaken full coverage as comprehensive coverage.
My greatest advice to you is that you are aware of what coverage you have and what they each mean. If you are unsure, either speak with your insurance agent or call Accident Lawyer of California, and we will review your policy and try to guide you and explain your coverage.
Why pay for it, if you are not going to use it when you are able too?
Many clients are hesitant to go through there own insurance or touch there insurance when it comes to accidents.
Firstly, let me make it clear that the reason you have car insurance is for your convenience, and to protect you.
Secondly, if you are in an accident and and your attorney advises you that you are able to go after your uninsured or underinsured policy, you should attempt to do so. The reason is simple; the entire reason you are paying a higher premium on your insurance coverage is that you have asked for such coverage and protection. If you are not going to use the coverage when it applies, then you either need a better understanding of your insurance coverage or you need to forego that coverage.
I personally think it is best to have the best possible insurance coverage to protect oneself, and ones assets for the unforeseeable.
Does my premium go up if I use my uninsured / underinsured motorist?
You are paying a monthly, bi-annually, or yearly premium that already has the coverage you have asked for in the plan. Therefore, your premium pays for the coverage when used.
There may be other factors that cause your insurance premium to go up, for example, too many accidents during a coverage period, because you are a higher liability for the insurance companies, however, using your coverage for when you are a not at fault party does not increase premiums.
If you are still uncertain, please call your local insurance agent for more details.
PLEASE FEEL FREE TO CALL ACCIDENT LAWYER OF CALIFORNIA BASED OUT OF NORTHRIDGE, CALIFORNIA, FOR A FREE CONSULTATION WITH AN ATTORNEY @ 818-718-2522.