Fresno Uninsured/Underinsured Accident Attorney

Car accidents are stressful situations, and when the other driver doesn't have insurance, it can add an extra layer of complications. Unfortunately, many drivers in California still choose to drive without insurance, leaving victims unsure of their legal options. At Roberts & Spiegel, we understand how frustrating it is to be in an accident with an uninsured motorist, and we're here to help. Contact us to schedule a free consultation to discuss your options.

Why Choose Roberts & Spiegel For Help With Your Fresno Uninsured/Underinsured Accident

If you find yourself in a situation where another driver causes a car accident and doesn’t have insurance or doesn’t have enough to cover your damages, it’s crucial to hire a lawyer. Here’s why you should work with us:

• We have more than two decades of experience handling car accident claims of all types.
• We will make sure that your claim accurately reflects your losses and that you receive fair compensation for your injuries.
• We know how to negotiate with the insurance company if they try to undervalue your claim.
• If we can’t settle your claim for what it’s worth, we will fight for you at trial.

How A Fresno Uninsured/Underinsured Accident Lawyer Can Help

When you're involved in a car accident with an uninsured or underinsured driver, it can be a complicated and stressful process. Getting an attorney involved is almost always recommended. Here’s what they can do for you:

• Help you investigate the claim to prove that you weren’t at fault. They do this by taking photos of the accident scene and the damage to your car. They also look for video footage and speak with witnesses.
• A lawyer will review all relevant insurance policies including yours and the other party’s to see if there is any coverage available.
• Make an uninsured or an underinsured claim with your own insurance company when necessary.

California’s Fault Based System and Insurance Requirements

In California, car accidents operate under a fault-based system. This means that if someone is at fault for an accident, they are responsible for any resulting injuries or damages.

There are also strict insurance requirements. In California, the liability insurance requirements for car accident situations are as follows: $15,000 for bodily injury or death per person, $30,000 for total bodily injury or death per accident, and $5,000 for property damage.

Uninsured/Underinsured Motorist Claims

In California, insurance companies “must offer you [uninsured/underinsured motorist] coverage. If you choose not to buy it, you must sign a form, called a waiver. The form says you were offered the coverage and turned it down.”

Uninsured Motorist Claims are made against your own insurance company because the other driver involved in the accident either does not have insurance or fled the scene. A UM claim can be filed by anyone who has uninsured motorist coverage in their policy, including passengers in someone else's vehicle.

On the other hand, underinsured motorist claims are filed when the liability insurance of the other driver is not enough to cover losses fully sustained in the accident. This means that the at-fault driver's policy failed to cover your losses fully, and underinsured motorist coverage in your policy can help make up the difference.

These types of insurance payouts should cover ambulance and medical bills, loss of wages, pain and suffering, and sometimes future earning capacity. You may have other coverage that will help you recoup your losses, like MedPay. Your personal injury attorney in Fresno can help review your policy to determine the best way to seek compensation.

What to Do After a Car Accident with an Uninsured Driver in Fresno

The consequences of a car accident can be challenging, particularly when the other driver lacks insurance coverage. It's essential to understand your options for compensation and take the right steps after the accident. If you experience this, take the following steps:

Call 911

The first step after a car accident with an uninsured or underinsured driver is to call 911 and report the accident. The responding officer will document the incident and create an accident report, which could be crucial later in the compensation process. Make sure to get the responding officer's information, name, and badge number, and the police report number.

Document Evidence at The Scene

If you can, take photos and document all evidence at the accident, including damage to both vehicles and any other property damaged. It’s also helpful to take pictures of the general scene of the accident.

Exchange Contact Information and Do Not Accept Payments if Offered

After a car accident, it is typical for both drivers to exchange contact information. However, if the other driver is uninsured, they may try to offer you an upfront payment. Do not accept any payments offered, as this could prevent you from pursuing further compensation later. Only briefly exchange contact information, such as name, phone number, registration information, and license plate number.

Ask Witnesses For Contact Information

Obtaining the contact information of any witnesses to the accident is crucial. Witness statements can help support your case and be beneficial during negotiations with the insurance company.

Seek Medical Treatment and Save All Records

It's essential to receive treatment for any injuries sustained after a car accident, whether minor or severe. Even if you feel fine, some injuries may not appear until hours or days after the accident. Save all records related to the medical treatment, including prescriptions, bills, and receipts.

Contact a Fresno Uninsured/Underinsured Accident Attorney

If you've been in a car accident with an uninsured driver, seeking legal counsel may be your best option for compensation.