California, like every other state in the country, requires its drivers to carry a minimum amount of auto insurance coverage. This social policy legislation is necessary since everyone who gets into a California car accident needs to have enough financial backing to compensate others for any damages or losses they sustain. Furthermore, such insurance also provides us with the periodic coverage we may need to compensate ourselves for our own losses. After serious auto accidents, everyone needs experienced Sacramento uninsured motorist lawyers to help fully protect their legal rights.
As you continue reading below, you'll learn more about the nature of California car accidents involving uninsured and under-insured motorists. You'll also find information about how you can try to recoup your financial losses after you've been injured in an accident involving someone who does not possess any -- or enough - auto insurance coverage. Stated simply, you'll need the assistance of Sacramento under-insured motorist lawyers if you want to handle this difficult situation in the most appropriate and beneficial manner.
In general, people can purchase a specific form of insurance coverage that will cover their vehicles in case they become involved in crashes with others who do not have coverage. Many times, this form of coverage is referenced as "UIM" (uninsured motorist coverage) on an insurance policy. Its purpose is to provide a policyholder with coverage when someone who causes an accident doesn't have any auto insurance. When this type of accident occurs, the policyholder must file a claim with his or her own insurance company before being able to recover damages.
Unfortunately, even with "UIM" coverage, you may not be able to recover damages since many insurance companies often deny claims. When that type of situation arises, a policyholder will need the help of Sacramento uninsured motorist lawyers to fight this denial of coverage and pursue full recovery of all damages that are owed.
In addition to the situation where another driver causes an accident and doesn't have auto insurance -- you can also get it an accident caused by another driver who has some insurance - but not enough to fully compensate you for all the damages you've sustained. In both of these situations, you'll be forced to turn to your own underwriter or insurance agent for help.
When another driver causes an accident and doesn't have adequate coverage to cover all of the damages they've caused you to suffer, you may still discover that your own insurance company may try to deny the claim or refuse to pay a reasonable amount for recovery. Whenever you encounter this resistance to properly honor your own insurance coverage, you'll need the help of experienced Sacramento under-insured motorist lawyers - they know how to fully protect your rights while pursuing every legal remedy available on your behalf.
If you or someone you love has been injured in a crash due to another driver's negligence -- someone who either does not have any or enough insurance coverage, you will need the help of Sacramento uninsured motorist lawyers who have been fighting successfully on behalf of clients in this position for nearly 20 years. Contact the Demas Law Group today to schedule a free initial consultation.