Sacramento Uninsured & Underinsured Accident Lawyer

With over 16% of motorists in California being uninsured, you have a real risk of colliding with a driver that is either uninsured or underinsured. In devastating vehicle collisions, even a motorist with a state-mandated minimum coverage may not be able to cover catastrophic injuries. 

If you have been injured in a Sacramento vehicle accident due to the negligence of an uninsured or underinsured driver, speak to an experienced car accident lawyer in Sacramento at Eric Ratinoff Law Corp. for a complimentary assessment of your claim and knowledgeable legal guidance on how to proceed. Ryan

Minimum Sacramento Auto Insurance Requirements 

The following minimum insurance coverage is required by law in California: 

  • $5,000 for property damage to other vehicles
  • $15,000 for bodily injury or death for one person
  • $30,000 for bodily injuries or death for more than one person

Beyond that minimum, coverage is optional, which means that most drivers may be underinsured in the event of a serious accident. In an accident where more than one individual is injured, $30,000 likely will not meet everyone’s medical needs. 

In California, it is required by law for insurance companies to offer uninsured or underinsured drivers UMC/UIM coverage. This type of coverage is optional and increases the cost of auto insurance, but it is recommended in instances where expenses are not met by the other driver. 

Sacramento Civil Lawsuits and Liability 

If you opted out of UMC/UIM coverage and you experience a serious accident due to the negligence of another underinsured or uninsured driver, you may need to file a Sacramento civil lawsuit against them. This is a complex legal process that requires the skills of an experienced Sacramento uninsured or underinsured lawyer. The two types of claims you can file include: 

Uninsured Motorists (UM) Claims

No matter what type of accident you experience, your Sacramento accident attorney needs to know whether the liable driver has insurance coverage. If the at-fault driver is not insured, you can bring this uninsured motorist claim to your own insurance company. We are experienced in handling UM claims and will aggressively negotiate on your behalf so you can recover the maximum compensation you deserve. 

Underinsured Motorists (UIM) Claims

Underinsured motorist claims are similar to uninsured motorist claims. Under California law, a driver must have at least $15,000 of insurance per person. If you have experienced an underinsured accident, then you can bring this claim to your own insurance company, and they absorb the cost instead of the at-fault driver.

For instance, if your claim is worth $50,000 and the at-fault driver has only $15,000 in coverage, you can collect up to the full amount of your UM coverage. Let us examine the details of your insurance policy and determine what coverage you are entitled to. 

Vehicle Accident Comparative Negligence in Sacramento 

California comparative negligence is an essential factor to keep in mind in any Sacramento vehicle accident claim. Even if the jury decides in your favor, your compensation award may be reduced depending on the amount of fault you had in the collision, which is also decided by the jury. 

Even if the at-fault driver is determined to be mostly at fault for the vehicle accident, compensation for the victim may still be reduced comparatively. You need an aggressive and experienced Sacramento uninsured car accident lawyer at Eric Ratinoff Law Corp. to advocate for you and recover the maximum compensation you deserve. 

Speak to an Experienced Sacramento Uninsured and Underinsured Accident Attorney at Eric Ratinoff Law Corp. 

If you have been injured in a Sacramento vehicle accident due to a negligent uninsured or underinsured driver, speak to a seasoned uninsured car accident attorney at Eric Ratinoff Law Corp. for a complimentary assessment of your claim. Our goal is to not only recover compensation for your substantial injuries but also connect you with the resources and care you need to recover. We have almost 30 years of experience providing outstanding legal representation to people who were severely injured in car accidents. 

We will fight for your rights and look out for your best interest every step of the way. Call us today for a complimentary consultation at (916) 970-9100, or fill out our contact form