Uninsured and Underinsured Motorist Claims Accident Attorney
Despite laws that require motorists to purchase auto insurance, many Los Angeles-area drivers simply forego it. If you are a motorcyclist who was injured by an uninsured or underinsured motorist, you should contact an experienced personal injury attorney as soon as possible. At Scott J. Corwin, A Professional Law Corporation, we have been handling uninsured motorist claims since 1992.
Uninsured Motorist Law
Uninsured and underinsured motorist coverage is designed to protect you in the event that a driver who does not have sufficient insurance coverage injures you in an accident. In California, many drivers are uninsured even though the law requires them to carry insurance. Many others carry the California minimum limits of $15,000 per person and $30,000 per accident. If you have uninsured and underinsured motorist coverage, your company will be able to compensate you for your damages. However, even though your insurance company works for you, it is in the company’s best interest to minimize the amount it pays on your claim. To ensure that you receive maximum compensation for your injuries, it is essential to work with an attorney who is experienced in handling uninsured and underinsured motorist claims and is prepared to take aggressive action on your behalf.
Since 1992, Scott J. Corwin, A Professional Law Corporation, has advocated on behalf of injured motorcyclists in the Los Angeles area. In that time, Mr. Corwin has recovered more than $115 million for more than 3,000 injured victims.
If the other driver was uninsured, you are entitled to compensation from your own insurance carrier. If the other driver was underinsured — his or her coverage is less than the full value of your claim — you can bring a claim against your own insurance carrier to make up the difference, so that you obtain the full value of your claim. But beware, your carrier now becomes the “opposing” side and wants to minimize the compensation it pays to you.
Motorcyclists often suffer injuries that are more serious than other accident-related injuries. If your injuries are significant, the costs for treatment will likely exceed the state minimum limits. Ensuring that you receive the full measure of your claim is of great importance to ensure all your damages are covered.
California Law – UM and UIM Insurance Policies
In order to protect motorcyclists in California, insurance companies are required to offer uninsured motorist and underinsured motorist (often abbreviated UM and UIM) policies. Unless you specifically decline these coverages, they are included in your motorcycle insurance policy. If you have been injured, you should contact our firm to review your policy to ascertain if you have UM and UIM insurance coverage.
- Uninsured Motorist (UM) claims: In a motorcycle accident, your attorney needs to determine if the at-fault driver has insurance. If the at-fault driver does not have insurance, you can bring an Uninsured Motorist claim with your own carrier. Your insurance company “stands in the shoes” of the other. Remember your own insurance company is the “enemy,” and you need aggressive and competent legal representation to handle these complex claims.
- Underinsured Motorist (UIM) claims: Underinsured Motorist coverage is similar to UM coverage. Under the law in California, the minimum insurance required is $15,000 per person. If you are injured by another motorist with insurance coverage less than the full value of your damages, you can bring an Underinsured Motorist claim with your own company. Your insurance company “stands in the place” of the at fault driver. If for example, you have a claim worth $75,000 and the other driver only has $15,000 in coverage, you can collect up to the full amount of your damages to the extent of your UIM insurance limits. You need an attorney experienced in handling these types of cases. If you have been injured in a motorcycle accident, we can review your insurance policy and provide you with an analysis of your coverage and how we can help you.
Free Consultation With Our Los Angeles Motorcycle Accident Lawyer
If you are a motorcyclist who was injured by an uninsured or underinsured driver, contact Scott J. Corwin, A Professional Law Corporation, to schedule a free initial consultation. Our attorneys represent injured motorcyclists throughout California in Riverside, Orange, Sand Diego, Santa Barbara, Ventura, San Bernardino and Los Angeles counties.