Lawyers for Uninsured & Underinsured Driver Accidents in LA County

When you’re injured in an accident and the other driver doesn’t have insurance, things can get tricky. Normally, you might think you’d go after their insurance for compensation, but in this case, that’s not an option. So, what do you do?

• File a claim with your insurance. First, check your own insurance policy. You might have coverage like Medical Payments (MedPay) that can help with medical bills regardless of who’s at fault. Another option may be your Underinsured Motorist (UIM) or Uninsured Motorist (UM) coverage. This part of your own insurance kicks in to cover costs like medical expenses and lost wages when the other driver is uninsured. It’s also handy in hit-and-run accidents.
• File a lawsuit against the at-fault party. But what if your insurance isn’t enough, or you don’t have these coverages? You might think about taking the at-fault driver to court, although this can be tough. If they didn’t have enough money for insurance, it’s a good bet they might not have the assets to pay for your damages either.
• File a claim against another third party. In a situation where the at-fault driver doesn’t have insurance and the victim is injured, hiring a lawyer can significantly improve the chances of uncovering all potential sources of compensation. A lawyer can thoroughly investigate the accident and may identify other parties who could be liable for additional third-party claims. This may include the employer of the at-fault driver if the driver was working at the time of the accident, defective vehicle manufacturers or parts manufacturers, and other drivers who may be partially responsible – and therefore, partially liable – for the accident.