Under-insured motorist claims are tricky. They occur when the party that is at fault is not covered by enough auto insurance to cover any costs or damages following a claim. While the injured party may have under-insured motorist coverage on their policy, it is rare.
California requires a minimum amount of auto insurance, and while the guilty party might have had it, it wasn’t enough to cover all of your injuries and damages. If you or a loved one is involved in an accident with an under-insured motorist, you need the assistance of a Chico car accident attorney. Our law firm offers assistance to clients who are injured or killed by an under-insured motorist.
Being involved in an accident is traumatic. Whether you were severely injured or just suffered minor injuries, you still deserve compensation for the medical bills, time you had to take off work (unpaid or not), and the damage to your property. Unfortunately, if you don’t have under-insured motorist protection on your policy, you may not receive the compensation you were hoping for from your insurance company. A personal injury attorney can help you file a civil lawsuit against the guilty party, as well as file for arbitration with your insurance carrier.
While your insurance might claim it is not fair for them to pay, remember that you pay for their coverage to protect you in case the other party cannot, and your insurance company can seek reimbursement from the guilty party as well. Therefore, you have rights to compensation.
You can schedule a free consultation with an attorney from Amaya & Associates today by dialing now. We don’t charge to meet with you, and our Chico personal injury lawyers can assess your case and tell you right away if you have a claim.