Uninsured & Underinsured Motorist Claims

The fact is that almost every state in the U.S. requires drivers to carry an auto insurance policy, though many people choose to drive without insurance at all of don’t have enough coverage realistically. A recent study showed that the number of uninsured drivers on the road in the U.S. is on the rise. About 14 percent of all drivers nationwide — or about one in seven drivers — are uninsured. 14 percent of drivers in California alone do not have insurance. Furthermore, a very large percentage of those with insurance, only obtain the mandatory minimum liability coverage.

As a result, drivers who have car insurance need to have sufficient uninsured and underinsured motorist coverage as part of their insurance policies in order to recover compensation after a serious auto accident in Orange County. It is important for drivers to know what these insurance policies cover and how to collect on them if they get into accidents with uninsured drivers.

Definitions: Uninsured and Underinsured Motorist Coverage

Uninsured motorist claims cover auto accidents where the at-fault drivers do not have insurance; the at-fault vehicles are unregistered, stolen or driven without the owners’ permission; or the at-fault drivers left the scene of the accident (for instance: hit & runs) and cannot be identified properly.

Underinsured motorist claims cover motor vehicle accidents where the at-fault drivers don’t have sufficient auto insurance to cover all damages they may have caused in the accident.

Attorney Glenn Johnson Can Help You

Drivers or passengers injured in an accident by someone who is uninsured or who carries only the minimum insurance required will be limited in their ability to recover for their pain and suffering unless they have access to additional coverage through their own uninsured or underinsured coverage. Contact Glenn Johnson – Attorney At Law today to set up a consultation and learn more about your rights.