frenchOn parle francais

frenchHablamos español

frenchNoi parliamo italiano

Serving California Since 1998

Call Us Today 951-698-4200 | Toll Free: 833-525-5728

Do I Really Need Uninsured Motorist Coverage? 

 Posted on December 05, 2022 in Car Accident

Temecula uninsured driver car crash lawyerA car accident is always a hassle to deal with, but if you were injured in an accident caused by an uninsured or underinsured driver, managing the aftereffects of the accident can be even more difficult - especially if you need compensation for your injuries and car damage. When purchasing car insurance policies, however, many people do not anticipate the high likelihood of getting into an accident with someone who has insufficient car insurance coverage, and therefore opt out of paying for this important feature.

If you are wondering whether you really need uninsured motorist coverage, know the answer is yes - and then secure coverage before you need it. If you have already been in a car accident, having legal representation from an experienced California personal injury attorney can help you get the compensation you deserve. Here are four common questions about uninsured driver insurance. 

Will My Health Insurance Pay For an Accident with an Uninsured Driver? 

If you have health insurance, your health insurance coverage should cover any injuries you sustain in a car accident. But if you have an accident that causes long-term damage that makes it difficult or impossible to work, your health insurance will not help you recover lost wages. It will also not compensate you for things like wrongful death, loss of quality of life, and other non-health-related injuries.  

Does My Car Insurance Pay For Anything? 

Your car insurance should pay for some of your accident, but you may not have enough coverage to cover the total cost of your injuries and property losses. If you have an expensive car or have serious injuries that require long-term care, your insurance may max out before you can get all the coverage you need. 

How Much Uninsured Driver Coverage Should I Have? 

Experts recommend having at least enough uninsured driver property damage coverage to replace the cost of your own vehicle. However, you can always talk to an insurance agent to see whether that would likely be enough for your needs. 

Should Everyone Have Uninsured Driver Coverage? 

The cost of paying for uninsured driver coverage is far less than the cost of not having the insurance when you need it. The coverage is not only useful in accidents involving uninsured drivers, but can also kick in if you are involved in a hit-and-run. 

Contact a Riverside County, CA Car Accident Lawyer

If you have been in a car accident with an under- or uninsured driver, it is essential to have the assistance of a Temecula, CA car accident attorney who can help you secure the maximum possible compensation from either the responsible driver or your insurance company. Contact the offices of Maineri Law Firm today to find out how we can help you. Call 951-698-4200




Share this post:
Back to Top