Uninsured Motorist Lawyer in Beaumont, CA

Uninsured driver accidents occur when an at-fault driver does not have insurance coverage to compensate for the damages and injuries they cause. Despite mandatory insurance laws in California, many drivers still operate vehicles without adequate insurance, leaving victims in a difficult position when accidents occur. 

Options for Compensation after an Accident with an Uninsured Motorist 

If you have been involved in a collision with an uninsured motorist in Beaumont, there are several options for compensation available to you:

Uninsured Motorist Coverage (UM)

California law requires insurance companies to offer Uninsured Motorist (UM) coverage as part of auto insurance policies. If you have UM coverage, it will apply if an at-fault driver does not have insurance or if you are involved in a hit-and-run accident. It can cover your medical expenses, lost wages, and pain and suffering up to the limits of your policy. 

Underinsured Motorist Coverage (UIM)

Similar to UM coverage, Underinsured Motorist (UIM) coverage comes into play when the at-fault driver’s insurance is insufficient to cover your damages. If your damages exceed the at-fault driver’s policy limits, your UIM coverage can help cover the remaining costs up to your policy limits.

Collision Coverage

Collision coverage is optional, but it can help pay for repairs to your vehicle after an accident regardless of who was at fault. While it does not cover medical expenses, it can be a crucial resource for getting your car back on the road.

Medical Payments Coverage (MedPay)

MedPay is also optional and can help pay for medical expenses incurred by you and your passengers after an accident, regardless of who is at fault. This coverage can be especially useful if you do not have health insurance or if your health insurance has high deductibles or co-pays.

Health Insurance

If you are injured and have health insurance, it can help cover medical expenses.

Suing the Uninsured Driver

In some cases, you may have the option to sue the uninsured driver directly for damages. However, this can be challenging if the driver does not have the financial means to pay a judgment. 

Other Parties’ Liability

Sometimes, other parties might share liability for the accident, such as vehicle manufacturers (in cases of defects) or government entities responsible for road maintenance. Exploring these possibilities with the help of an attorney can uncover additional sources of compensation.

How an Attorney Can Help

An uninsured motorist lawyer will investigate your insurance policies to identify any uninsured/underinsured motorist (UM/UIM) coverage that may apply to your case. They are also skilled negotiators and will work tirelessly to reach a fair settlement with insurance companies and other parties involved. If necessary, they will file a car accident lawsuit against the at-fault driver to seek compensation directly from them despite their lack of insurance. With an attorney handling all legal paperwork it will alleviate the stress of the legal process and allow you to focus on your recovery. 

Contact Us Today

If you have been hit by an uninsured driver, do not navigate this complex situation alone. Contact Hanson & Mouri today to arrange a free consultation with our Beaumont uninsured motorist lawyer.