Uninsured & Underinsured Motorist Claims Lawyer in Oakland – Get the Compensation You Deserve
Accidents with uninsured or underinsured drivers can be particularly frustrating. While you should be able to recover compensation from the at-fault driver’s insurance, what happens when they don’t have enough coverage? That’s where we come in. We are here to help you recover the compensation you deserve through your own insurance policy or other means.
What is an Uninsured Motorist Claim?
An uninsured motorist (UM) claim is filed when you are involved in an accident with a driver who does not have insurance. If the at-fault driver is uninsured, you may be able to recover compensation through your own insurance policy if you have uninsured motorist coverage.
What is an Underinsured Motorist Claim?
An underinsured motorist (UIM) claim is filed when the at-fault driver has insurance, but their coverage is insufficient to cover all your damages. In these cases, your insurance company may help cover the difference, depending on your policy.
Why You Need a Lawyer for Uninsured & Underinsured Motorist Claims
Dealing with uninsured and underinsured motorist claims can be challenging because insurance companies often try to minimize payouts. Our experienced attorneys will help you navigate these complex claims, ensuring you receive the maximum compensation possible.
How We Help with UM/UIM Claims
- Review your insurance policy to confirm coverage
- Investigate the accident and determine liability
- Negotiate with your insurance company on your behalf
- File lawsuits when necessary to recover the compensation you deserve
What happens if the driver who hit me doesn’t have insurance?
If the at-fault driver is uninsured, you can file a claim with your own insurance company if you have uninsured motorist coverage. We can help you navigate the claims process and ensure you get the compensation you deserve.
How do I know if I have uninsured or underinsured motorist coverage?
You can check your car insurance policy or contact your insurer to confirm if you have UM/UIM coverage. If you’re not sure, we can help review your policy and guide you on how to file a claim.
Can I file a lawsuit if the at-fault driver is underinsured?
Yes, if the at-fault driver’s insurance isn’t enough to cover your injuries, you can file a UIM claim with your own insurer. If the insurance company doesn’t offer fair compensation, we can take legal action on your behalf.
How long do I have to file a claim for an uninsured or underinsured motorist accident?
In California, you generally have two years from the date of the accident to file a personal injury lawsuit. However, it’s best to consult with an attorney as soon as possible to ensure you meet all deadlines and protect your rights.
Contact Us for a Free Consultation
If you’ve been injured in an accident with an uninsured or underinsured driver, contact us today for a free consultation. We’ll evaluate your case and help you understand your legal options.
