Uninsured Accident Attorneys Helping Injury Victims Utilize All Compensation Options
At the Law Office of Brian H. Turner, we help victims maximize their compensation after an accident caused by negligence. Insurance companies almost always play a major role in these cases but claiming compensation can be frustrating if the at-fault party was uninsured or inadequately insured.
Under California law, drivers are required to maintain a minimum policy of insurance of $15,000.00 per person and $30,000.00 total for bodily injury per accident. This means that a person injured by a driver with a minimum policy can only receive up to $15,000.00 in compensation depending on the injuries. The $30,000.00 amount is the maximum amount a driver’s insurance company will pay for one accident, regardless of the number of people injured. So, if there are four people injured who collectively sustained $40,000.00 worth of injuries from a driver with the above minimum insurance requirements, the driver’s insurance company will pay no more than $30,000.00 to all the four people, with no one individual receiving more than $15,000.00.
What Can Victims Do When Their Injuries Exceed Minimum Insurance Coverage Limits?
After the driver’s insurance company pays the policy limits, the victim may seek the remaining compensation from the driver personally. Most insurance companies are keen on this and try their best to settle within the policy limits, leaving victims inadequately compensated. Without a lawyer, fighting insurance companies is an uphill battle. At the Law Office of Brian H. Turner, we will aggressively negotiate with insurance companies to pay the policy limits and try to have their insured provide monthly payments to the victim if a settlement can be reached.
An alternative way for an accident victim with an underinsured driver is to contact the victim’s own insurance company to determine if underinsured motorist coverage is provided. Not surprisingly, even a victim’s own insurance company may fight back on providing coverage and compensation for injuries sustained by an underinsured driver.
If you find yourself in this position, contact the Law Office of Brian H. Turner to help fight your insurance company to provide you with the coverage you paid for and the money you need to put your life back together. We know the games played by insurance companies, so contact us if you’ve become frustrated by the denials and vague responses you have received.
Discuss Your Legal Options With Us For Free
The Law Office of Brian H. Turner is based in Sacramento and serves clients throughout the surrounding areas. To take advantage of a free initial consultation about your case, call us at 916.229.8800 or fill out our online contact form.