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Protection against uninsured motorists – updating the insurance policy

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Understanding Your Rights; Uninsured, Underinsured Motorist Coverage

A nightmare scenario for anyone who finds themselves in a car accident; the other driver is at fault and is either uninsured or woefully underinsured. Now what do you do? In the state of California statics indicate that the chances of encountering this kind of non-insured motorist is fairly high; roughly 1 out of every 6 drivers on the road today is uninsured.

How to protect yourself from uninsured motorists

The best time to learn about a clause the insurance industry refers to as an ‘insurance policy rider’ is before you actually need it. Referred to as “Uninsured Motorist Coverage” the purpose of an Uninsured Motorist Policy or Rider is to provide coverage in accidents where the other driver is uninsured or underinsured. This coverage helps to pay for:

  • Car repairs
  • A replacement vehicle while the car is in the shop
  • Incidental pain and suffering
  • Medical bills
  • Reimbursement for out-of-pocket expenses and lost wages

Like most insurance entitlements uninsured motorist claims can be complex, so it is important to work with an experienced attorney to help with the process. Once insured, the highlights of coverage generally include;

  • Coverage can be added to a current policy
  • It only covers you in an accident if you are not at fault
  • You can also be covered for injuries by an uninsured motorist when incurred while walking or riding a bike
  • A police report is required if the person driving the vehicle has fled (hit and run)
  • A valid claim must be filed with your insurance company within two years

About the Law Offices of Bill Kuziara

At the Law Offices of Bill T. Kuziara we support our clients with the resources they need to obtain a complete recovery with a serious personal injury claim, taking into account current and future losses. The health of our clients is a top priority and we are there through every process; from the best specialists and doctors to therapy, injury law and finally the terms of settlement. We handle healthcare, auto, medical pay and disability insurance at no cost to our clients. We only take cases on a contingency fee basis and you pay a fee only if we are successful.

To get your free consultation fill out our online form or call 707-546-1040.

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