UNINSURED/UNDERINSURED MOTORIST ACTIONS
All California, Nevada and Arizona drivers are required to have car insurance for their own safety and for the protection of other people on the road. Unfortunately, the fact that car insurance is required does not mean that everyone actually has insurance or that they have adequate coverage in the event of an accident.
If you have been injured in a car accident with a driver who has no coverage or policy limits that are not sufficient to cover your losses, we can help. From our San Francisco office, the Brandi Law Firm has handled hundreds of personal injury cases involving uninsured/underinsured motorists.
Under California, Nevada, and Arizona law, drivers are only required to have $15,000 of insurance coverage. With the costs of medical care skyrocketing as they have in recent years, a single trip to the emergency room could potentially reach this limit. Factoring in related expenses such as ongoing rehabilitation, medications, property damage and lost wages, the statutorily required amount becomes grossly inadequate. Because of the ever-increasing gap between required amounts and actual damages caused by car accidents, claims brought under uninsured and underinsured motorist policies are much more common than they were just a few years ago.
If you have your own uninsured/ underinsured motorist coverage on your insurance policy, you should be able to get compensation you need by filing a claim. Getting payment, however, often means that you have to take an actively adversarial role against your insurance company. The adversarial system is difficult for many people to deal with, though, and an experienced attorney at the Brandi Law Firm can help.
It is important to keep in mind that insurance companies, even your own provider, aim to protect their bottom line and minimize the amount of compensation they provide. Any statements that you give to company representatives (such as agents and assessors) could actually be detrimental to your claim. Your insurance company may even dispute the extent of your injuries or their relationship to the auto accident.