Posted on Monday, October 12th, 2020 at 3:53 pm    

Car accidents happen. Even the most cautious driver can make a mistake that results in a car wreck. California requires drivers to carry minimum liability insurance to protect accident victims in the event of a car crash. Unfortunately, some people do not obey the law. For that reason, it is important to have sufficient uninsured motorist insurance coverage to protect yourself if an uninsured driver causes your car accident.

What is Uninsured Motorist Coverage?

There are many reasons why a person might ignore the insurance requirements for California drivers. They might not have a valid driver’s license or might not have the money to pay the insurance premiums
When an uninsured driver causes an accident, the victim could sue the driver for damages. However, the driver might not have the resources or assets to pay a judgment for damages. Uninsured motorist coverage can help.
Your uninsured motorist insurance stands in the place of the at-fault driver’s liability insurance. You can file a claim against your uninsured coverage for financial losses and damages. If the other driver caused the crash, your insurance company should pay the claim as if it was the insurance company for the at-fault driver.

You could receive compensation for your:
  • Past and future medical bills
  • Past and future loss of income
  • Decreases in earning potential because of a disabling condition
  • Disabilities and permanent impairments
  • Physical pain and suffering
  • Scarring and disfigurement
  • Mental anguish and emotional distress
  • Loss of enjoyment of life or quality of life

Your insurance company is only liable for a claim up to your policy limits. Therefore, it can be wise to purchase higher policy limits for uninsured motorist coverage as your budget permits.

What Happens if the Driver Leaves the Scene of an Accident?

Your insurance company should treat a hit-and-run accident as an uninsured motorist claim. You file an injury claim with your insurance company under your uninsured motorist coverage. However, you must prove that the other driver caused the accident. That could be difficult without the other vehicle, a video of the accident, or eyewitness testimony.

Even though you are filing a claim with your insurance company, it can help consult with a Sacramento car accident attorney about your claim. An attorney investigates the cause of the crash to gather evidence proving how the crash occurred.

Your lawyer also protects you from bad faith insurance tactics used by your insurance provider to undervalue or deny your uninsured motorist claim. When you file an insurance claim, your insurance agent does not handle the claim. An insurance adjuster handles your claim. Therefore, the adjuster’s goal is the same as it is in all other cases. The adjuster seeks to pay as little as possible to close your car accident claim if the adjuster cannot find a valid reason to deny the claim.

Hit-and-run cases can be complicated. Having an experienced legal team working to get you the money you deserve can give you the best chance of receiving a fair settlement for your uninsured motorist insurance claim.

 

Client Testimonials

Hanna Padilla Testimonial
Quote

From the very start of my case the Tiemann Law Firm was wonderful. Perter came all the way to my home to sit down and talk to me about my options. He made me and my partner feel very comfortable and promised us he would take the very best care of my case. Peter kept me informed every step of the way and was always on top of things. everything was done in a timely manor and I always felt like I was the only case he was working on because he was so fast. In the end Peter got me back way more money than I ever expected. I would recommend this law firm to everyone. I am very happy with the outcome of my case thanks to the Tiemann Law Firm! Thank you!

Matt H. Testimonial
Quote

I was in a car accident a while back where I was injured and had to miss work for an extended period of time.  After nearly a year of fighting with the insurance company with no results and no progress, I met with Jelena Tiemann.  I couldn't have asked for a more responsive and supportive advocate.  We quickly reached a settlement and I finally was able to move from the stress and burden of feuding with my insurance.  I highly recommending meeting with Jelena if you're in need of a lawyer.

Star Fire Testimonial
Quote

It is hard to put into words the care and dedication that I received from the Tiemann’s. They have been here for me every step of the way and were always available when I had questions or concerns. My husband and I will be forever grateful for everything they have done for us and our family. Thank you so much for all of the hard work and time you have put into my case, we greatly appreciate it and your friendship. We highly recommend this firm and will always be thankful for everything they have done. Thank you so much again, Kim

Lendzey Garcia
Quote

I was in a very bad/ major car accident I originally had an attorney who wasn’t trying to help me out much or take any of my calls so I called Tiemann and told them my situation. They made it an AWESOME and Smooth transition over to them and took on both cases I had. I just settled on my big case and am beyond great full. For them and their team! I highly recommend them. To add on to this a little On how much they will work with you, I moved to Montana in the middle of all Of this and it was not an issue!

Maye Ly Testimonial
Quote

I just saw my lawyer Jelena Tiemann on a t.v ad, which reminded me how much she helped when I was in a desperate situation. I just love her! That is why I feel a need to tell everyone. I had a situation that happened & didn’t know what to do, our where to go. I didn’t even know if she could help me or if any lawyer could. All I wanted was it to go away & was afraid most lawyers wanted to drag it out & possibly go to court. For one she was very professional but was very personable (maybe b.c she’s a lady). She didn’t make me feel embarrassed or self-conscious that I did something wrong or was the cause of the situation. She immediately said we should try our best before going to court. Let me handle some paperwork, if at the last we do go to court we have documents. She gave me all the details, pros and cons but reassured me she deals with these cases all the time. She came through and made it as painless as possible. I now have my life back.