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Sacramento Accident Attorneys
Sacramento Uninsured and Underinsured Attorneys
Many people purchase car insurance for the sole purpose of getting compensated if they have been involved in an accident. But, what happens if the other party’s insurance company does not cover your costs?
When you are involved in a car accident, you have the option of filing a claim with your insurance company or filing a claim with the other party’s insurance company. When you file a claim with the responsible party’s insurance company, their insurance may underpay, or they may not even have insurance at all.
Is car insurance a requirement to drive in Sacramento?
It is illegal to drive without car insurance in Sacramento. The reason is that lawmakers want all those behind the wheel to be protected in the event of a car collision. If you are pulled over by a police officer, and you do not have car insurance, you could have your license temporarily suspended, and you could face fines. There are several reasons why many do not have car insurance in Sacramento. For example, many cannot afford car insurance, and others may have forgotten to renew their car insurance.
Under California Insurance Code Section 11580.1, all vehicle drivers must have car insurance to compensate them in the event of an accident expense.
What are the different expenses I could get compensated for from an insurance claim?
There are several different expenses that you could get compensated for if you have been involved in a car accident, and the other party was responsible for the accident. Some examples of the most common expenses include:
- Medical bills and costs associated with treating your injuries
- Lost income from the number of days that you took off because of your injuries
- Property damage to your vehicle that was caused by the car accident
- Pain and suffering associated with the injuries that you suffered from the accident
Above are just some examples of expenses that you could get compensated for. But, keep in mind that each circumstance is different from one another. For example, some insurance companies may not compensate enough for pain and suffering, since it is difficult to put a number on.
Do I need an attorney to file an insurance claim?
It is not required to have an attorney when filing an insurance claim for any car insurance company. But, keep in mind that insurance companies try to pay out as little as possible. Insurance companies prioritize the company before they prioritize the claimant. Also, there are several different steps that you must take and different forms that you must fill out when filing an insurance claim. this could get very tricky and difficult, and you may have to answer several different questions that you may not know the response to.
Our Sacramento accident attorneys are available to help you throughout the entire process. We know just how stressful and daunting it may be to go through an accident, better yet to deal with an insurance company. We will take care of the claims process, and provide all the required information to the insurance company.
Do I file a claim with my insurance company or the other party's insurance company?
You could file a claim with either your insurance company or the other party’s insurance company. If the other party does not have car insurance or their car insurance is not enough to cover all of your damages, you could then file a claim with your own insurance company. Your car insurance is meant to step in and assist you in cases where you cannot get compensation from the other party’s car insurance.
When should I file my car accident lawsuit in Sacramento?
If you are unable to get compensation from either your insurance company or the other party’s insurance company, you also have the option of filing a civil lawsuit against the other party. But, keep in mind that you must have to file your lawsuit on time. Each court has a different time requirement when it comes to filing a lawsuit. A highly qualified Sacramento accident attorney will be able to assist you and determine exactly when you should file your lawsuit by.
You have two years from the date of the accident to file a lawsuit in court. Although this seems like it is a reasonable amount of time, medical appointments could fill up this time and it could get very busy. Make sure that you do not have your rights taken away and file your lawsuit as soon as possible.
What does uninsured mean?
Uninsured means that drivers do not have car insurance at the time of the accident. If you are in an accident with an uninsured driver, and the other driver is at fault, you could file a claim with your own insurance company. It is then your insurance that will have to compensate you. If your insurance policy covers uninsured motorist coverage, then you most likely will get compensated through your insurance. Call us today to see if your car insurance has an uninsured motorist policy.
What does underinsured mean?
Underinsured means the other party has car insurance, but their car insurance policy is not enough to cover all the damages of the accident. In this case, you must file a claim with the other party’s insurance company, and then file a claim with your own insurance company stating that the other party’s insurance coverage was not enough. But, we recommend that you speak to our car accident attorneys before filing any type of claim with any insurance company.
What are the minimum car insurance requirements in Sacramento?
There is a minimum requirement that all California drivers must have car insurance. Sacramento follows the general case-wide requirements which are:
- $15,000 to cover injury or death
- $13,000 to cover injury or death to more than one person
- $5,000 to cover property damage
Our Sacramento car accident attorneys recommend that you understand the differences in each policy coverage. The first two refer to bodily injuries and death that result from the accident. This takes into account the medical bills and treatments that the injured would need. The third factor takes into account the property damage, which is most likely going to be the vehicle damage and any other personal belongings that the party had at the time of the accident.
Contact An Uninsured and Underinsured Car Accident Attorney Today
Being in a lawsuit is stressful on its own, and it could be even more stressful when the other party does not have car insurance or has car insurance that is not enough to compensate. Make sure that you have an experienced sacramental car accident attorney on your side. Our Megeredchian law attorneys are available to help you 24/7.
Sacramento allows accident victims to get compensation for damages and injuries that they have suffered as a result of another party’s negligence. These damages could vary based on hospital fees, lost wages, and pain and suffering. But, it takes an experienced and skilled uninsured and underinsured motorist attorney to help you.
Get in touch with our law firm today for more information on filing a lawsuit. We always work to make sure that our clients understand the process to make sure that we have a smooth and efficient claims process and lawsuit process.
Sacramento Car Accident Attorneys
Address:428 J Street, 4th Floor, Sacramento, CA 95814
Phone: (916) 409-7519