Uninsured or Underinsured Motorist Claims: Protecting Legal Rights in Limited Coverage Cases
Razavi Law Group: Trusted Advocates
RLG specializes in personal injury cases, including those involving uninsured or underinsured motorists. The dedicated team of expert attorneys deeply understands the legal complexities involved in these cases and is committed to protecting your legal rights and interests.
Understanding Uninsured and Underinsured Motorist Coverage
Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage are optional auto insurance policies. Read below to learn what each policy covers.
Uninsured Motorist (UM) Coverage: UM coverage protects drivers when involved in an accident with a driver who has no insurance. It helps cover medical expenses, lost wages, and other damages for which the uninsured driver would have been responsible.
Underinsured Motorist (UIM) Coverage: UIM coverage comes into play when the at-fault driver’s insurance limits are insufficient to cover all expenses. UIM coverage bridges the gap between the at-fault driver’s policy limit and the victim’s actual damages.
Steps to Take in Uninsured or Underinsured Motorist Claims
If you find yourself in a situation involving an uninsured or underinsured motorist, consider the following steps, report the accident, gather evidence, seek medical attention, contact an attorney, file an insurance claim, keep documentation, and negotiate and litigate.
Report the Accident: Always report the accident to law enforcement and the insurance company as soon as possible.
Gather Evidence: Collect evidence at the scene, including photographs, witness statements, and the other driver’s information.
Medical Attention: Seek immediate medical attention for your injuries, even if they seem minor at first.
Contact an Attorney: Consult an experienced personal injury attorney like those at RLG to discuss a case and explore your legal options.
File a UM/UIM Claim: File a claim with your insurance company if UM or UIM were purchased.
Documentation: Keep detailed records of all medical expenses, vehicle repair bills, and any other costs related to the accident.
Negotiation and Litigation: RLG attorneys will negotiate with insurance companies to ensure you receive fair compensation. If necessary, RLG attorneys will represent you in court to advocate for your legal rights.
Dealing with an uninsured or underinsured motorist can be complex, but if you or a loved one is a victim, you do not have to navigate it alone. Attorneys at RLG understand the challenges of limited coverage cases and are both prepared and ready to provide expert legal guidance and advocacy. If you or a loved one was involved in an accident with an uninsured or underinsured driver, contact our Santa Ana personal injury attorneys at Razavi Law Group for a consultation. Your recovery and your legal rights are top priorities, and RLG is dedicated to helping clients secure the compensation they deserve.