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The Importance of Substantial Uninsured/Underinsured Motorist Coverage

The Importance of Substantial Uninsured/Underinsured Motorist Coverage

The Importance of Substantial Uninsured/Underinsured Motorist Coverage

When another driver crashes into your vehicle, that driver’s auto insurance coverage should kick in and reimburse you for your medical bills, property damages, and other losses. California law requires drivers to carry liability insurance at all times to make sure that accident victims can receive the compensation they deserve. However, many drivers decide to let their insurance lapse, and they do not have the coverage needed to compensate accident victims. In addition, some people flee the scene of an accident, and you might never identify the driver to know which insurance coverage is applicable.

To protect yourself in the event you are in a hit and run, or in a crash with a driver with inadequate insurance, it is essential to have uninsured/underinsured motorist (UM/UIM) coverage as part of your own auto insurance policy. Furthermore, you should have substantial policies, such as those with $50/100k or $100/300k in coverage.

Potential Costs of Serious Car Accident Injuries

Car accidents can result in severe injuries, such as spinal cord injuries or brain injuries, that require extensive medical attention and treatment. The costs of treatment can add up quickly, as can your lost income from missing work or having to change jobs due to injury-related impairments. Many car accident victims end up with tens of thousands of dollars in losses.

If your accident was caused by an uninsured driver, a driver with minimal insurance limits, or a driver who fled the scene, you want your UM/UIM policy to cover your losses. It is always wise to add on this coverage and ensure the limits are high enough to cover the costs of severe injuries.

Consult with a Car Accident Lawyer in Beverly Hills

If you sustained injuries in a car crash, you should speak with a Beverly Hills car accident lawyer at Jalilvand Law. Call 310.478.5800 or contact us online for a free consultation today.

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