Uninsured / Underinsured
If you have been injured in an accident, you shouldn't just rely on the negligent
driver's insurance to compensate you for your injuries. Injuries
sustained in accidents may be catastrophic and carry life-long disabilities
- this means that you may suffer huge financial losses. California
law only requires drivers to carry a minimum insurance policy including:
- $15,000 for injury or death of 1 person per accident
- $30,000 for injury or death of 2 or more persons per accident
- $5,000 for property damage per accident
Worse yet, there are huge numbers of California drivers who are
driving without any insurance at all.
While the other driver's policy, if in fact there is current insurance
coverage, may cover some of your losses, it is unlikely that, in
the event of catastrophic injury or death, it will fully compensate
you. It is extremely important that you protect yourself, your passengers
and your family by purchasing an insurance policy that includes
underinsured and uninsured motorist coverage.
"Uninsured motorist" means that the
person responsible for your injuries is operating a vehicle without
any insurance coverage whatsoever. If you have purchased uninsured
motorist coverage, you will be able to collect from your insurance
company to recoup your damages (both property and personal) up to
the limits you purchased.
"Underinsured motorist" means that the person responsible
for your injuries has inadequate limits to cover your losses. If
you have purchased underinsured motorist coverage, you will be able
to collect from your insurance company to recoup your damages (both
property and personal) that exceed the responsible party's limits
up to the amount of your own limits.
If you are protected by uninsured and underinsured motorist coverage, you
will be able to collect from your own insurance company in the event that you
are seriously injured in an accident.
As attorneys, we help our clients establish the liability, evaluate and prove
the damages, and collect the settlement or judgment. We handle all of the details,
and are prepared to help our clients get through the hardships and stress associated
with filing a claim with an insurance company.
We act both as advocates and negotiators on behalf of our clients. We handle
personal injury claims on a daily basis, ranging from simple whiplash
injuries to catastrophic injury and death claims. We handle claims
from the start to the finish, including a professional evaluation
of the claim, meeting the legal deadlines, all dealings with insurance
adjusters and other lawyers, and taking care of a lot of the details
that accompany any injury claim.
Calton & Burns, Attorneys at Law, have been representing injured
individuals for over 25 years. Our team of dedicated lawyers represents
those who have suffered serious injury, financial loss, personal
and future damages due to negligence and wrongful acts of others,
including motor vehicle accidents, motorcycle accidents, bicycle
accidents, aviation accidents, construction accidents, slip and
accidents and defective products.
As lawyers, we deal every day with insurance policies, what is covered or not
covered, and how to best get the expenses paid for our clients.
If you have been involved
in an accident with an uninsured or underinsured motorist, we will be glad to discuss your case
with you at no charge and with no obligation.
Why not give us a call!
here to reach us by e-mail.