CORONAVIRUS UPDATE: What We Are Doing to Protect Our Clients

Uninsured/Underinsured Motorist Arbitration

Uninsured Under-insured Motorist Protection (UM)

Uninsured and Underinsured Protection is vital! If you have been involved in a motor vehicle accident caused by someone who was uninsured or had minimal insurance and if you have the coverage you can make a claim with your own insurance company.

Uninsured/Underinsured (UI/UIM) Protection

These benefits cover you and all occupants in your car. They also cover damages incurred as a result of an at-fault driver with no liability insurance, a driver who doesn't carry enough insurance or a hit-and-run driver.

The two types of coverage are:

  • Uninsured Motorist Coverage. This coverage is optional and can pay for damages if you are involved in an accident with an uninsured driver or in a hit-and-run accident.
  • Underinsured Motorist Coverage. This coverage complements your uninsured motorist coverage. In the event that the responsible party does not have adequate insurance coverage to compensate you for your injuries, you may be entitled to additional coverage on your own policy.

If the at-fault party has a liability limit of only $25,000, you can only claim $25,000 a person from their insurance. If you sustained serious injuries and incurred significant medical expenses, the value of your case could well exceed $25,000.00. 

The following video discusses uninsured drivers and why it's important to have this type of coverage:

Frequently Asked QuestionsQ: How much can I get?

A: You determine the amount of coverage you want. If you buy uninsured benefits of $15,000, and you suffered injuries caused by an uninsured driver, you can only get up to $15,000 from your own insurance to pay for damages. That is, whether your medical bills are $15,000 or $1,000,000, you will only be entitled to collect $15,000 from your insurance company under your uninsured policy.

Q: How long can I get uninsured benefits?

A: There isn't a limit as to how long your coverage is available, but you must make a claim with your own carrier no later than two years after the date of the accident or you can and likely will be forever barred from pursuing the claim. However, you will be covered only up to the amount of uninsured policy benefits. If you've suffered a life-threatening injury that requires surgery or emergency care, and you have a maximum uninsured policy of $100,000, you could exhaust your uninsured benefits within a very short time.

Q: How do I file my claims for uninsured/underinsured benefits?

A: You must submit the claim to your insurance within two years of the date of the accident.

Q: I was riding on a bicycle and was hit by an uninsured motorist. I have severe injuries. Can I collect under uninsured motorist insurance?

A: If you, a member of your family, or even a roommate has a car with Uninsured Motorist Insurance, you can likely tap that insurance to recover. Please feel free to contact us if you are in that situation.

Q: I was a pedestrian walking across a street and a driver who was hit and run stuck and injured me. Can I recover?

A: If you had an auto with auto insurance and uninsured motorist coverage (and most people do) you have a right to recover against your own uninsured motorist coverage. ( And don’t worry, your rates won’t go up!)

If you didn't have a car, but someone else in your household did and they had uninsured motorist coverage, then, in most cases you can recover against their policy. (Again don’t worry, their rates won’t go up either. In California, your rates only go up if you were at fault in the accident.

Q: I was in a car wreck, the other party was at fault but had only minimal coverage and I had serious injuries. Do I have any other options to recover?

A: You may. If you had Uninsured/Underinsured Motorist coverage in excess of the minimum limits after you recover from the at-fault party, you have an option to recover additional damages from your own uninsured/underinsured motorist insurance.

Additionally, if the other driver was driving a company vehicle or a car owned by someone other than the driver, you may have a right of recovery against that person as well as the driver.

Q: If another car forces me off the road, and I crash into a median barrier can I make a claim under my Uninsured Motorist insurance?

A: It depends. California law requires that there be contact between the uninsured car (or sometimes if something falls off or out of that car) and your vehicle. So if the car that forced you off the road made contact with yours, even if ever so slightly, you will have an uninsured motorist case.

Sacramento Car Accident Lawyer

I'm Ed Smith, a Sacramento Car Accident Lawyer. If you or a loved one has been injured in a vehicle accident caused by someone who's uninsured or has minimal coverage, call us at 916.921.6400 or 800.404.5400 for free, friendly advice.

We are proud members of the Million Dollar Advocates Forum and the National Association of Distinguished Counsel.

See our verdicts and settlements and client reviews on GoogleYelp, and AVVO.

Editor’s Note: This page has been updated for accuracy and relevancy [cha 3.11.20]

Image by Tumisu from Pixabay

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