Uninsured Motorist Lawyer in Newark, CA: Your Ally Against Uninsured & Underinsured Motorists Drivers
Every year, countless individuals find themselves in motor vehicle accidents with drivers who, shockingly, do not have valid motor vehicle insurance coverage. When you are left facing medical bills and motor vehicle repairs without the prospect of monetary compensation from the other side, it is time to consult with an uninsured car accident lawyer. At The Jagroop Law Office, Inc., we handle uninsured motor vehicle accident/personal injury cases. Call The Jagroop Law Office, Inc. today at 510-556-4013 for a free, initial consultation with a personal injury attorney in Newark, CA.
Why You Need an Uninsured Motorist Lawyer
Navigating the aftermath of a motor vehicle accident is complicated. However, when the other motorist does not have valid motor vehicle insurance at the date and time of the motor vehicle accident, the complexities deepen. Assuming that you had valid motor vehicle insurance regarding your motor vehicle at the date and time of the motor vehicle accident, and assuming that you had an uninsured motorist coverage under your motor vehicle insurance policy at the date and time of the motor vehicle accident, having an uninsured motorist lawyer from our team ensures that your legal rights and legal interests are looked after, even when the standard avenue(s) of compensation is or are blocked.
California’s Insurance Requirements and Challenges
Under California Vehicle Code § 16020(a), this law states: “All drivers and owners of a motor vehicle shall at all times be able to establish financial responsibility pursuant to Section 16021, and shall at all times carry in the vehicle evidence of the form of financial responsibility in effect for the vehicle.”
Under California Insurance Code § 11580.1(b)(1)-(4), this law states:
“Every policy of automobile liability insurance to which subdivision (a) applies shall contain all of the following provisions:
- Coverage limits not less than the limits specified in subdivision (a) of Section 16056 of the Vehicle Code.
- Designation by explicit description of, or appropriate reference to, the motor vehicles or class of motor vehicles to which coverage is specifically granted.
- Designation by explicit description of the purposes for which coverage for those motor vehicles is specifically excluded.
- Provision affording insurance to the named insured with respect to any owned or leased motor vehicle covered by the policy, and to the same extent that insurance is afforded to the named insured, to any other person using the motor vehicle, provided the use is by the named insured or with his or her permission, express or implied, and within the scope of that permission, except that: (A) with regard to insurance afforded for the loading or unloading of the motor vehicle, the insurance may be limited to apply only to the named insured, a relative of the named insured who is a resident of the named insured’s household, a lessee or bailee of the motor vehicle, or an employee of any of those persons; and (B) the insurance afforded to any person other than the named insured need not apply to: (i) any employee with respect to bodily injury sustained by a fellow employee injured in the scope and course of his or her employment, or (ii) any person, or to any agent or employee thereof, employed or otherwise engaged in the business of selling, repairing, servicing, delivering, testing, road-testing, parking, or storing automobiles with respect to any accident arising out of the maintenance or use of a motor vehicle in connection therewith. As used in this chapter, “owned motor vehicle” includes all motor vehicles described and rated in the policy.”
Pursuant to California Insurance Code § 11580.1(b)(1)-(4), the minimum liability insurance requirements are as follows:
- $15,000.00 for bodily injury or death to one person;
- $30,000.00 for bodily injury or death to more than one person;
- And $5,000.00 for property damage.
Being in an accident with an uninsured or underinsured motorist can be financially devastating. Fortunately, The Jagroop Law Office, Inc. is here to help. We guide our clients in Newark through the complex legal maze and help identify possible compensation avenues.
Understanding UM/UIM Coverage in Newark
For residents of Newark, California, and the broader Bay Area, it is essential to understand Uninsured Motorist (UM) coverage and Underinsured Motorist (UIM) coverage:
- Uninsured motorist coverage: Uninsured motorist coverage protects you if you are involved in a motor vehicle accident with a motorist who does not have valid motor vehicle insurance at the date and time of the motor vehicle accident.
- Underinsured motorist coverage: Underinsured motorist coverage protects you if you are involved in a motor vehicle accident with another motorist who does not have sufficient coverage to monetarily pay for the property damage and/or bodily injury or bodily injuries that the other motorist caused.
- Uninsured motorist bodily injury: This may pay for medical bills for you and/or your passenger(s).
- Uninsured motorist property damage: This may monetarily pay for property damage to your motor vehicle.
- Underinsured motorist bodily injury: This may pay for your medical bills for both you and/or your passengers.
- Underinsured motorist property damage: This may pay for property damage to your motor vehicle.
Seeking Monetary Compensation with The Jagroop Law Office, Inc.
If you have been a victim of a motor vehicle accident caused by an uninsured or an underinsured motorist, depending upon the situation involved, you may or may not be eligible for compensation.
Why Choose The Jagroop Law Office, Inc. in Newark, CA?
While it is tempting to believe your motor vehicle insurance company will automatically support you, remember that motor vehicle insurance companies aim to maximize profits. They might contest/dispute/deny your claim or monetarily offer you less than what you deserve.
That is where we come in. With our vast experience in handling uninsured motorist and underinsured motorist cases, we are well-versed in dealing with motor vehicle insurance companies when it comes to motor vehicle accident/personal injury cases that occur in the State of California. We ensure that our clients’ legal rights and legal interests are looked after and that our clients receive the monetary compensation that they are entitled to.
Talk to an uninsured motorist lawyer
Whether you have been involved in a hit-and-run, multi-vehicle accident, or faced injuries due to debris falling off another vehicle, we are here to provide expert guidance.
In conclusion, while being involved in a motor vehicle accident with an uninsured driver is undeniably challenging, having a dedicated uninsured motor vehicle accident/personal injury attorney by your side can make a world of difference. Choose The Jagroop Law Office, Inc. to stand with you in these trying times. Do not navigate these complexities alone. Trust the attorneys at The Jagroop Law Office, Inc. in Newark, CA. Call us at 510-556-4013 today.