Drivers in California—like in virtually every state—must have a minimum amount of liability insurance. These policies are designed to cover the losses of other drivers when you are responsible for a crash. Unfortunately, many motorists fail to carry this insurance or have a policy with limits that will not pay for the full cost of an accident.
Getting hurt in a collision with these drivers can be frustrating, as it may not be clear how you will pay for your losses. The good news is that you have options, depending in part on the type of insurance you have. A dedicated injury attorney can advise you on uninsured / underinsured car accidents in Fresno. Call today to get started.
California Liability Insurance Requirements
California law mandates that all drivers carry a minimum amount of liability insurance. Driving without this required coverage is not only a traffic violation but also a significant risk, as uninsured motorists are personally responsible for any damages they cause in an accident.
The state’s minimum liability insurance requirements include:
- $15,000 for bodily injury per person
- $30,000 for bodily injury per accident
- $5,000 for property damage per accident
Unfortunately, these minimum limits often fall far short of covering the full cost of a serious collision. In accidents involving uninsured or underinsured drivers in Fresno, recovering full compensation often requires pursuing alternative avenues, such as uninsured motorist coverage or filing a personal injury lawsuit. A knowledgeable attorney can help explore these options to secure the compensation victims deserve.
Suing Uninsured Drivers
There is nothing stopping an injury victim from pursuing legal action against a negligent driver when they lack adequate insurance coverage. While a liability policy is more likely to simplify the process of recouping damages, there is always the option of suing the other driver.
The downside is that the odds are good that they lack any resources to pay a settlement. If they are unable to cover the premiums for liability insurance, the chances that they do not have enough assets to settle a personal injury case.
Uninsured Motorist Coverage Is Optional
California law requires insurers to offer uninsured/underinsured motorist (UIM) coverage as an optional add-on to every liability policy. UIM coverage protects policyholders when the at-fault driver either has insufficient insurance or none at all. This type of coverage can help pay for:
- Medical expenses
- Lost wages
- Vehicle repair costs
- Pain and suffering
UIM claims are particularly valuable in cases involving hit-and-run drivers or when the other driver’s policy limits are not enough to cover the victim’s losses. However, many drivers waive UIM coverage to save on premiums, leaving them financially vulnerable after an accident.
If you have been in an accident involving an uninsured or underinsured driver, a Fresno attorney can help you explore your UIM options and guide you through the claims process. Contact us today for a consultation to learn more about protecting your right to compensation.
Talk to a Lawyer in Fresno About Your Uninsured / Underinsure Car Accident
Any accident can be a distressing event. Getting involved in a collision with a motorist who lacks adequate liability insurance can be especially stressful. While it is natural to wonder who will pay your claim, you might have options following an uninsured / underinsured car accident in Fresno. Reach out as soon as possible to discuss your options during a confidential consultation.
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