Los Angeles Uninsured Vehicle Attorney

Every licensed driver in California is required by law to carry insurance. However, as many as 25 percent of California’s drivers are uninsured, according to statistics released in 2012 by the Insurance Research Council of the California Department of Insurance. In fact, California consistently ranks among the top five states in the U.S. in terms of the percentage of uninsured motorists. A 2016 report revealed there were more than 4 million uninsured drivers in California.

Underinsured Drivers

Another major problem is underinsured motorists. California car owners are only required to carry an auto liability policy of $15,000/$30,000, which means their insurance company will pay no more than $15,000 for injuries per person and $30,000 per accident, no matter how many people were injured in the crash.

Perhaps not surprisingly, the drivers who carry little or no insurance coverage often fit the profile of those most likely to be involved in car accidents. For help with any accident involving underinsured or uninsured drivers, call Heller Law Firm, APC at 866-461-5791.

Were you hit by a car as a pedestrian or while riding a bike? If the driver who hit you was uninsured or underinsured, your automobile uninsured/underinsured motorist policy applies even if you were a pedestrian, bicyclist or bystander.

Our Personal Injury Lawyers Are Here For You

Suffering a serious injury in an accident that was caused by someone else’s negligence is unsettling enough. If you discover the driver who hit you does not have insurance or is woefully underinsured, you may feel like there is nowhere to turn for help.

At Heller Law Firm, APC, a Woodland Hills, California, personal injury law firm that has served residents of Greater Los Angeles and throughout the state for more than 40 years, we protect your rights if you or a family member is injured in an accident involving an uninsured or underinsured motorist.

How Can You Tell If You’re Covered?

Insurance companies are required by law to include uninsured motorist coverage as part of every automobile policy written unless a customer specifically declines it. (Needless to say, we strongly advise motorists to carry uninsured/underinsured coverage.) Coverage is usually designated on the first page of your automobile insurance policy by the letter or letters “U,” “UM” or “UIM.” You should review this important and often-overlooked coverage with your agent. The cost of increasing your UM/UIM coverage may be less than you think.

If your vehicle is struck by an uninsured or underinsured motorist, your UM/UIM coverage protects other family members who are passengers in your car or other people driving your car with your permission.

We Take On the Insurance Companies

UM/UIM coverage applies if the at-fault driver’s liability limits are lower than your uninsured coverage limits. For example, if the driver who causes the accident has the minimum liability policy of $15,000 per person, $30,000 aggregate, and you have uninsured motorist coverage of $100,000 per person/$300,000 aggregate, you could receive up to the $85,000 difference from your own company for an injury to one person, and up to an additional $270,000 from your own company if there were injuries to three or more of your family members, or passengers in your car.

Unfortunately, carrying a substantial UM/UIM policy does not guarantee you will be fully compensated for your medical bills, lost wages and other costs. Insurance companies protect their own profits by looking for loopholes that allow them to pay less than the full amount you deserve, or your insurance provider may deny your claim altogether.

Meet With Our Experienced Personal Injury Lawyers

We have successfully advocated for individuals in personal injury lawsuits for more than 40 years. Our personal injury attorneys are well-known among insurance company lawyers throughout the state for their ability to build a strong case and their willingness to go to trial or arbitration in UM/UIM cases to obtain a full settlement for our clients. This often helps us to recover the full amount our clients deserve without the need to go to court.

If you have been seriously injured in an accident that was caused by an uninsured or underinsured motorist, contact our Los Angeles uninsured vehicle lawyers to learn more about your legal options. You can also reach us by phone at 866-461-5791.

No recovery/no fee (or costs to our firm).