Uninsured Motorist: Part I

In some cases, our clients have serious injuries and the driver or the negligent party that caused those injuries only has minimal liability limits, which is fifteen thousand. In those situations what we’re looking at now, is to see if our clients have an additional uninsured motorist policy limits    available to make a claim under. And typically in California, the way it works is, if you have a third party settlement, or the person that hit you has, let’s say, a fifteen thousand dollar policy, once you obtain that settlement, then you make a claim for the difference between what your uninsured motorist policy limits are and what you’ve already obtained from the responsible party. And that’s why it’s important to have high limits for your uninsured motorist policy.