Uninsured Motorist: Accident Compensation When The Negligent Driver Isn't Covered

The most dangerous drivers often carry the minimum amount of insurance required by law — or no insurance at all. This is not welcome news when you are facing medical bills, lost time from work, a wrecked vehicle and possibly permanent harm from an accident.

The good news is that your own insurance policy probably contains uninsured motorist/underinsured motorist (UM/UIM) coverage. However, the average policyholder will have difficulty collecting full compensation without legal help. Guenard & Bozarth has years of experience with uninsured motorist accident claims. We won't let the insurance company deny, delay or downplay your legitimate claim for damages.

Worried about coverage for your injuries? Get answers at 916-226-9098.

Understanding UM And UIM Coverage

California law requires every driver to carry liability insurance for bodily injury to others. A disturbing percentage of Californians are driving around without any insurance. And many drivers opt for the minimum liability coverage — $15,000 per individual (to a maximum of $30,000 to cover all victims), plus $5,000 in property damage. In a serious auto accident, hospital care, lost wages and other damages can far exceed this coverage.

Your own UM/UIM policy can be invoked:

  • If the other driver is not insured
  • If your losses exceed the other driver's policy limits
  • In a hit-and-run situation when the other driver is not identified

Experienced Attorneys Who Get Results

Our lawyers have handled motor vehicle accidents in Northern California for more than 25 years, with offices in Sacramento and Elk Grove. If you were involved in an accident with an uninsured driver or the at-fault driver does not have enough coverage to go around, call Guenard & Bozarth for a free legal consultation or contact us online. We can handle your case from the beginning or intervene if you are having problems with your UM/UIM claim.