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Accidents With Underinsured and Underinsured Drivers

Uninsured drivers are a serious problem in Hayward, Fremont and the entire Bay Area

All drivers in California are required to bear financial responsibility for accidents, whether they are registered in California or not. Most people fulfill this obligation by carrying car insurance. However, the requirement is ignored far too often by a great number of motorists. Being involved in an accident with an uninsured or underinsured driver is a worrisome experience. Medical bills and lost wages can put you in debt. The Law Offices of Robert G. Schock can help you recover after you are struck by an uninsured motorist. If you are worried about your future after an accident, we can explain your options and your rights.

What is uninsured motorist insurance coverage?

California requires all insurance companies to provide uninsured motorist insurance coverage upon request when consumers purchase their coverage plans. Many plans already provide uninsured motorist coverage even if it is not specifically requested, although drivers are not required to have it. This type of coverage does not cover a driver who collides with the policyholder, but it does provide compensation and protection in the event that you are injured by a driver without insurance. Those who have insurance plans with no such provisions may not receive insurance compensation, although they could recover damages in a lawsuit. If you are not used to dealing with insurance companies, you should consult an attorney about your options.

Who is protected by uninsured motorist coverage?

Uninsured motorist coverage is not just for accidents between drivers. It actually extends to people involved in all types of accidents with uninsured or underinsured drivers and covers the following:

  • Pedestrians
  • Bicyclists
  • Motorcyclists
  • Bystanders
  • Passengers

It is important to note that underinsured or uninsured coverage only applies when the insurance policy of the driver at fault covers less than your policy. Uninsured and underinsured insurance coverage is meant to compensate you for medical expenses, loss of income, loss of ability and damage to your car or vehicle, in addition to legal fees and related costs.

However, there is an important exception to your ability to recover for an accident. Under California law, a driver who does not meet the state's insurance or financial responsibility laws who is in an accident can still sue and recover from an insured driver who is "at fault" for the accident. The fact that the driver is not properly insured does not matter. Robert G. Schock is an experienced auto accident attorney who can guide you through the legal process of recovery.

Contact us for a free initial consultation at our Oakland or Concord office

Do not wait to speak to an attorney after an accident. A collision with an uninsured driver can have serious effects on your right to compensation. The Law Offices of Robert G. Schock has more than four decades of experience helping drivers collect damages for accidents. Schedule a no-risk initial consultation at our Oakland or Concord office at (510) 839-7722 or online today. Street and lot parking is available.

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