Just because you utilize your uninsured motorist policy won't result in higher premiums.
The answer is very clear. If you are not at fault for the collision, California law explicitly forbids a rate increase to your vehicle insurance premium.
When the driver who caused the collision was not covered by insurance or had insufficient coverage, you use uninsured motorist coverage (under insured).
For uninsured motorist protection, you make a monthly additional payment. Similar to health insurance, it is a benefit that you can utilize as needed. Furthermore, your insurance provider cannot punish you just for using uninsured motorist benefits.
In most circumstances, absolutely. If you were hurt, you should speak with a personal injury lawyer right away.
Your car insurance provider basically becomes the defendant once your uninsured motorist coverage takes effect. That implies that they oppose you in the same way that they would have done if the accident had been their fault. To attempt and pay you as little as possible, your insurance company will employ specialists, lawyers, and other professionals.
To provide a fair playing field, if they have attorneys working against you, you should have attorneys on your side. These situations can be exceedingly complicated, so you should hire a lawyer with a lot of expertise managing cases involving uninsured and underinsured drivers. Please do not hesitate to contact for a free consultation if you were hurt in a car accident and believe the other motorist did not have insurance.
Although there is no way to determine the exact worth of your claim, you may make an educated approximation. The amount of your claim comprises your financial losses, such as those incurred for medical care, missed income, hiring household help, and paying for physical rehabilitation.
The quickest cases are resolved in a matter of weeks with no formal litigation. Your attorney may, on occasion, be able to negotiate a speedy resolution directly with the opposing party or the insurance provider. In other situations, a lawsuit may go on for a year or more. The majority of situations lie somewhere in the center. You might anticipate a lengthier wait time the more intricate your case is. Due to your discretion over whether to accept or reject settlement offers, you have some power over how long your case will last.
It's crucial to wait until an experienced personal injury lawyer has examined the facts of your injuries and a possible payment before accepting an insurance settlement or signing off on your claim due to the chance that your damage will be devalued and undercompensated. Although a lawyer will often earn a portion of any settlement or judgment, the offers that are made after legal counsel becomes involved are frequently higher than those that claimants without legal representation obtain.
The majority of insurance plans provide that after an accident, your insurance agent must be notified. An accurate report of the circumstances surrounding your accident should be sent to your own insurance agent as soon as possible after it occurs. However, other from giving notice and speaking with your agent, never provide an insurance company a recorded statement without first seeking legal advice.
In California, there are deadlines for bringing a lawsuit after suffering a personal injury, but the earliest possible moment is when you should get competent legal counsel. Immediately following an accident, evidence might vanish or be destroyed, and memories can swiftly fade. Personal injury lawyers can help you get just compensation since they are familiar with the laws governing evidence preservation and negligence proof. Speak with a respected attorney as soon as you can.
Although most personal injury lawsuits are resolved without ever getting to trial, this is not always possible. Several causes for this might be:
- The accused makes no settlement offer.
- An unreasonable settlement is offered by the defendant.
- The plaintiff desires to proceed to trial.
- Damages or liability are in question.
Even though a personal injury case going to trial is uncommon, it is still a good idea to be ready and understand why it may happen.