An estimated one in three drivers on Northern California roads are uninsured or underinsured. Statistics show that these people are among the least safe drivers on our roads. What can you do to protect yourself and your loved ones against dangerous uninsured motorists?
You can make sure that your insurance policy has adequate uninsured and underinsured motorists coverage. Your insurance carrier by law is required to offer you “UM” coverage in your policy. This aspect of insurance has been established to make sure that you will be compensated in case of injuries and damages caused by an underinsured or uninsured driver. It maybe useful to speak with your insurer to determine how much UM coverage you need to carry to make sure you are covered at an appropriate level in the event of serious injury.
Who Is Protected by Uninsured or Underinsured Motorists Coverage
- Any family member living in the same house as you
- Temporary visiting guests who borrow your car
- Minor children with drivers’ licenses who do not live with you
- College-age children away at college
- Passengers in your car at the time of the accident
- People injured by a hit-and-run driver
Even if you were walking when you were struck and injured, or even bicycling, you should be covered under your own UM insurance policy if the person who caused your injuries is uninsured. An attorney who is experienced in personal injury law can help you understand how to adequately protect your rights in situations like this.
Common reasons that drivers are uninsured or underinsured include:
- The driver does not have legal status to be in the country
- The driver has a criminal record and is not allowed to drive
- The driver has a suspended license
- The driver is hoping to save money
Uninsured Motorist Accident? Talk With a San Francisco Bay Area Personal Injury Lawyer
If you have been injured in an accident that involves an uninsured or underinsured motorist, an attorney at the law firm of Weber & Nierenberg, with offices in northern California and the San Francisco Bay Area, can help you understand how we may help you seek compensation for damages and injuries.
To discuss your concerns in a free, confidential meeting with one of our lawyers, please call 1-866-288-6010.