Los Angeles Uninsured Motorist Accident Attorneys
Claims Involving Negligent Drivers With No Insurance
According to the Insurance Information Institute (III), about 12% of all drivers in the country are uninsured. With there being millions of drivers in the greater Los Angeles metropolitan area, the likelihood of encountering an uninsured motorist is high. If you’ve been hit by one such driver, which is statistically likely in a car accident, it can seem like you are out of luck to get compensation. But the truth is that you aren’t necessarily out of options.
Omega Law Group and our Los Angeles uninsured motorist accident lawyers would be happy to help you work on your claim for compensation. You might be able to file against the driver who hit you directly or use the uninsured/underinsured motorist (UM/UIM) insurance policy you purchased from your auto insurance provider. In either situation, we can act as your legal guides and representatives, so you don’t have to worry about a thing.
Lawsuits Against Uninsured Motorists
Most auto accident claims are filed against the other driver’s auto insurance policy, not against the driver that caused the crash. However, you can file a claim against the driver themselves if they do not have any insurance. You would be demanding that the driver repay your damages out of their own personal finances and assets, rather than what can be provided by an insurance policy.
Filing against a person instead of an insurance policy is rare, though. Chances are high that if the other driver did not have any auto insurance, it is because they could not afford it. In that situation, they won’t have any personal assets to use to repay you. Before you try to sue an uninsured driver directly, you should consult with an attorney, who can tell you if the effort would be worth it.
Using Uninsured Motorist Insurance
The better option to seek compensation after being hit by an uninsured motorist is to use your uninsured motorist insurance policy. This policy is usually not included by default, though. You most likely will have had to add it as a monthly premium.
If you do have uninsured motorist insurance, it might pay for:
- Vehicle repairs
- Medical bills
- Lost wages
- Non-economic damages
When filing an uninsured motorist claim, you will file against your auto insurance provider, not that of another driver. This process is called filing a first-party claim. Even though you are filing against the company that you pay each month for insurance coverage, it doesn’t mean that your case will be simple or automatically accepted. Insurance companies often reject first-party claims, just as they would a third-party claim from another driver.
Get Legal Professionals On Your Side Today
Being pitted against your own insurance company is awkward and intimidating. Teaming up with reliable Los Angeles uninsured motorist accident attorneys who genuinely care about your future and wellbeing is easy, though. All you need to do is call 866-942-3881 and connect with Omega Law Group Injury & Accident Attorneys . We’re ready to hear your story, review your case, and pursue full compensation in your name, no matter who the opposition in your case might be.
Remember: Initial consultations are free. Schedule yours today.