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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 loss
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 fall
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!
(949) 495-3350

Click here to reach us by e-mail.

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Copyright © 2005 Calton & Burns - Laguna Niguel Lawyers - All Rights Reserved.

We serve the communities of Mission Viejo, Irvine, San Juan Capistrano, San Clemente, Dana Point, South Laguna Beach, Laguna Beach, Laguna Niguel, Tustin, Aliso Viejo, Laguna Hills, Rancho Santa Margarita, Lake Forest, Coto de Caza, and Portola Hills.

Disclaimer: The Laguna Niguel uninsured motorists, underinsured motorists, accident with uninsured motorist, uninsured, underinsured, driving without insurance, auto insurance information, Laguna Niguel auto insurance requirements, personal injury, wrongful death, automobile accident, back injury, brain damage slip and fall, dog attack, train accident, aircraft injury, construction accident, or other legal personal injury information set forth in this site should not be construed to be formal legal advice nor the formation of a lawyer or attorney client relationship. Any results portrayed here were dependent on the facts of that case and the results will differ from case to case. Please contact a Laguna Niguel insurance attorney or South Orange County uninsured motorist lawyer at our Laguna Niguel law firm office in Orange County. This web site is not intended to solicit clients for matters outside of the State of California.


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