Kern County Underinsured Driver Lawyers
There are a significant number of people driving without insurance in California. A much higher number drive with only minimum liability coverage of $15,000 per person and $30,000 per accident. If you are injured by a driver who is uninsured or underinsured, you will need to find another source of insurance coverage to pay for your losses. In most cases, this will be your own uninsured motorist "UM" or underinsured motorist "UIM" coverage.
At McKnight, McKnight, McKnight & McKnight in Bakersfield, California, we offer a free initial consultation to answer your questions about uninsured and underinsured motorist coverage. Our lawyers handle car accident injury claims throughout the Central Valley.
Do I Have UM/UIM Coverage?
In California, your insurance agent is required to offer you UM/UIM coverage at a level that is at least equal to your liability coverage. It only makes sense to protect yourself and your family at least as well as you protect other people.
If you don't have UM/UIM coverage, then the insurance company is required to have a signed document that you declined coverage. If the insurance company can't product this document, you have the potential to be covered.
How Does UM/UIM Coverage Work?
When you have uninsured and underinsured motorist coverage, your insurance company will stand in the shoes of the other party and pay for the same damages the other party's insurance would have paid. Unfortunately, it will also do things like look for ways to limit your claim or even avoid paying you. It's important to hire an attorney to protect your rights, just as you would in a claim against another driver's insurance company.
Will My Insurance Rates Go Up if I File a UM/UIM Claim?
By law, your insurance company cannot raise your rates if you were not at fault for the accident.
Let Our Family Help Your Family
To discuss your case with our Bakersfield uninsured motorist lawyers, call 661-578-5669 or fill out the contact form on this website.
