Uninsured/Underinsured Motorist

Being involved in any type of car accident is extremely frustrating, and in many cases very painful, but the situation can be even more complicated if you then discover that the person who caused the accident is either uninsured or underinsured. As you watch your medical bills, lost wages, and other accident-related expenses accumulate, you will likely be very frustrated and stressed while you wonder how you are going to be able to recover these costs from someone who does not have adequate (or any) insurance coverage.

In these cases, you will be dealing with your own insurance company to collect damages out of your Uninsured Motorist (UM) policy, which is required by California law. Policy amounts range depending on the policy that you selected, and you may quickly find that even dealing with your own insurance company can be complicated, confusing, and oftentimes make you feel as if you are battling with them to get the money you deserve. Instead of dealing with these headaches while you are also trying to prioritize your own recovery from the accident, the team at Grossman Law Offices will gladly take these responsibilities from you. We will work directly with your insurance company, and explore any alternative solutions in order to ensure that you get the money you need and deserve for your suffering. 

Read more below about how we can help you after an accident with an uninsured motorist in Fresno, and contact us now for a free initial consultation about your injuries and options. Our experience in the Fresno courts regarding all types of traffic violations, accidents, and personal injuries will be a major advantage to you while you are working through this case. 

What Is an Underinsured Motorist?

An underinsured motorist is someone who has all of the car insurance that the state of California requires, but their policy limits are too low for the amount of financial damage that they have caused you. In this case, you will find their insurance company to be extremely unhelpful and uncompromising on the amount that they will offer to you, regardless of the extent of your injuries. This is where your own Underinsured or Underinsured Motorist Insurance comes into play, but even then you may find yourself seemingly unable to recover the money that you actually deserve.

We will work through all of the options, and will deal directly with your own insurance company as well as the other driver’s insurance company through a series of negotiations, and will ultimately determine if we will need to seek damages through a complete personal injury lawsuit. There is no reason for you to suffer through these injuries on your own, or shoulder the financial burden without assistance from the other driver or the insurance companies that are involved in this frustrating situation.

What To Do After an Accident With an Uninsured or Underinsured Motorist

After an accident, you will need to exchange all of the relevant information with the other driver, including your drivers license information, contact information, and insurance company information. At this point, you may either discover that the other driver is uninsured, or you will not find out until later on that their policy does not cover you to the extent you require. In the event that they are uninsured, it is important that you have police on the scene to file a police report and handle any sort of violations that have taken place during the accident, including the insurance issue. 

Once you have gotten to a safe place, sought medical attention, and have begun to work on the details of your next steps, contact an attorney as soon as possible in order to get the legal help that you need. We offer a free initial consultation that will help you get a better understanding of how we can help, what your options are, and the outcomes that we have successfully worked towards with past clients in similar situations as your own. As Fresno personal injury attorneys, we understand the complexities of dealing with uninsured and underinsured motorists, and will be happy to bring this experience to your aid.