It also covers you when you're involved in a hit and run accident. Uninsured motorist coverage protects you if you are hit by a driver who doesn't have car insurance. Underinsured motorist coverage, which is typically offered along with coverage for uninsured motorists, protects you if you are hit by a driver who doesn't have enough coverage to pay for the damage or injuries you caused. Both coverages are mandatory in many states and highly recommended for all drivers.
If you are the victim of a hit and run accident, you can file a claim against your coverage for uninsured motorists. The claimant and an injury lawyer in San Diego must first prove that the offending driver was uninsured or, if underinsured, demonstrate that all the proceeds of the offending driver's policy have been recovered before resorting to coverage for the uninsured. Based in San Diego, The McClellan Law Firm has decades of experience helping victims and real people fight insurance companies that want to pay as little as possible, both in personal injury cases and in insurance disputes in which claims are unfairly delayed, underpaid, or denied in bad faith. While you must pay for insurance to protect others, this less expensive insurance coverage often doesn't apply.
Walton Law Firm has handled numerous accident and injury lawsuits involving uninsured or underinsured motorists in the San Diego area. We offer free and confidential consultations and serve clients in San Diego and Southern California. In New Hampshire, auto insurance is one of several ways to demonstrate financial responsibility, but if purchased, the state requires that both coverage for uninsured and underinsured drivers be included in all policies. Attorney Craig McClellan was named one of San Diego's best commercial litigation attorneys by San Diego Magazine.
If you have questions about your insurance coverage, submit your confidential question online or call the insurance lawyers at Walton Law Firm for a free, private consultation. To address this important problem, California insurers must offer coverage for uninsured or underinsured drivers (UM or UIM) to all applicants for auto insurance in order to reduce the risk for responsible drivers who maintain an insurance policy. Quote car insurance online or call 1-866-749-7436 to make sure you have the right coverage to protect against uninsured or underinsured drivers.