What Should I Do If I Do Not Have Insurance?
You are still able to file a claim with the insurer of the other party, even if you were the victim in this scenario and they were at fault. You should be aware, however, that it is not necessary for the other party’s insurance to represent you or act on your claim in any way.
Before you make a claim against the other person’s insurance, you ought to get in touch with an experienced accident attorney in the state of California first.
Do I Need to Hire an Attorney to Make My Claim?
Not in the strictest sense. However, if you have a skilled attorney on your side, you will have a much better chance of negotiating a larger settlement.
The vast majority of insurance adjusters deal with claims on a daily basis, and as a result, they are well-versed in the tactics that can scare you away or convince you to settle for less than you deserve. An experienced attorney can guide you through the complexities of a claim and ensure that you are compensated in full for your losses (and more).
How Long Do You Have to Wait Before You Can Sue Someone for a Personal Injury?
The countdown typically begins on the day that your accident occurred in California. You have a certain amount of time to file a lawsuit for personal injury, but the amount of time you have depends on who you believe is responsible for your injuries.
You have a period of two years in which to bring a claim for personal injury in the event that you believe a third party was responsible for your injuries. In the state of California, the statute of limitations is reduced to six months if you believe that your accident was caused by a governmental organization (such as a city, county, or state agency).
There are a variety of exceptional conditions that, depending on their severity, may delay the beginning of the clock. As soon as possible, we advise you to discuss the details of your case with a knowledgeable personal injury attorney in Los Angeles.
Coverage for Motorists Who Are Neither Fully Nor Adequately Insured
It is a requirement of the law in California that insurance companies provide coverage for uninsured motorist bodily injury and underinsured motorist bodily injury. These types of coverage pay for medical expenses and repairs to property that is incurred as a result of injuries caused by drivers who either do not have insurance or do not have enough insurance.
The uninsured motorist bodily injury coverage provides up to the insured person’s liability coverage amount. Your actual damages may be more than the amount covered by the underinsured driver’s insurance, but if you have underinsured motorist coverage, the gap between the two amounts can be filled. If you choose to decline these particular types of insurance, you are required to do so in writing.
Additional Types of Automobile Coverage
The insurance policy that was described earlier is merely the bare minimum that the state mandates. It is possible to purchase additional insurance. Because of the tort system that governs insurance in the state of California, if you are at fault in an accident and someone is injured as a result, that person has the legal right to sue you in order to obtain compensation for the damages they have sustained, even if those damages exceed the limits of your insurance policy. Because of this, a lot of people get supplemental insurance, also known as I