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Were You Injured By An Uninsured Motorist?

Last updated on April 18, 2024

Most Southern California drivers carry a certain amount of uninsured motorist (UIM) insurance. After an accident with an underinsured or uninsured motorist, though, it quickly becomes obvious how hard it is to collect full and fair money damages from your own insurance company.

The personal injury litigation team at McNally Law Office has been helping people with every part of their car accident claims since 1993. We work hard to protect your rights and ensure that the insurance adjuster takes the full extent of your injuries and losses seriously. We handle all uninsured motorist claims on contingency. You won’t pay us unless we help you recover money damages.

The Difference Between Uninsured And Underinsured Motorists

To be clear: it is illegal to drive a vehicle or own a vehicle without having insurance in California. Those who do not have insurance can have their license suspended and their vehicle impounded. But not all insurance policies are created equal, and not everyone follows the law.

If a motorist has car insurance, then by law this insurance must cover the bodily injury that the driver caused someone else in an accident. The insurance must also cover any property damage the driver caused. By law, this must cover up to $15,000 in damages to any one injured person and up to $30,000 for two or more injured people. It must also provide up to $5,000 for property damage. If you have a personal injury attorney, the damages will be pursued in a civil case for this money.

All vehicle owners have the option to purchase uninsured/underinsured motorist coverage, or UIM. If you have this insurance and the driver who caused the accident or injury does not have insurance, then your own policy – the UIM – will cover all of the medical expenses for you and your passengers as well as property damages or repairs that are not covered by collision insurance, up to $3,500.

However, California law prohibits drivers from stacking insurance policies in the event of an accident, so it is important to ensure you have sufficient coverage before an accident. You cannot purchase it after an accident and the minimum UIM coverage will go quickly in the event of even a short hospital stay.

We Go Beyond Your UIM Coverage

Under the direction of trial attorney Frank McNally, our team will thoroughly investigate your accident and begin negotiations for a fair settlement offer as quickly as possible. We will do everything possible to avoid a costly trial against your own insurance company, but we don’t push you into accepting a settlement that isn’t fair. We can help you file a personal injury or wrongful death claim against your underinsured motorist policy for any type of accident involving a motor vehicle, including:

Hire a lawyer who will step up for you. We look for every available source of money for your claim. In addition to filing an injury and property claim against your UIM policy, we look for money that may be available under your individual homeowner’s policy and other parties who may be held liable for your injuries, including the product liability for an auto defect that may have contributed to your injuries.

Discuss Your Accident Claim With Us

If you have questions about your accident claim, we are ready to listen. Contact us to schedule your free consultation by calling our office in Pasadena at 626-389-8590 or send us a message. Serving car accident victims in Glendale and throughout the Los Angeles area.