Making an Insurance Claim for Underinsured or Uninsured Drivers

p> Last Updated: 01-31-2017

Can a Lawyer Help Me?

This actually occurs more often than people may think. According to recent estimates, around 20 percent of drivers in California don’t have insurance, even though it’s required by law. That means there are more than four million uninsured drivers in the Golden State.The Driver Who Hit Me Is Uninsured

Fortunately, even if the driver who hit you is uninsured, you can still get coverage through your own insurance company. Depending on the terms of your policy, you may have access to:

  • Collision Coverage – If you carry collision coverage on your policy, you can have your vehicle repaired and your insurance company will cover the expenses.
  • Medical Payments Coverage – This type of coverage pays for your medical bills up to your policy limits.
  • Uninsured/Underinsured Motorist Coverage (UM/UIM) – Unlike Medical Payments Coverage, UM/UIM insurance covers lost wages and pain and suffering in addition to medical bills, up to your policy limit. While it isn’t mandatory to have UM/UIM insurance coverage in California, it is highly recommended.

Our lawyers can help you explore all potential sources of coverage and work to ensure that you get the maximum compensation you deserve.

Committed Accident Victim Advocates

As Passionate Lawyers for Life, we are committed to helping car accident victims and their families, as they face the physical, emotional and financial effects of injury. In each and every case, we fight hard for our client’s recovery, using our aggressive legal style to negotiate full and fair compensation from insurance companies. If a trial is necessary, we are ready to advocate and litigate on a client’s behalf to get a successful verdict.

We are more than just lawyers – when we are not providing high quality legal representation to injured victims, we are serving the public good. Outside of the office, we champion several charitable causes and serve on the Board of Directors of the Los Angeles Trial Lawyers’ Charities (LATLC), which helps children, battered women, persons with disabilities, and the homeless in the greater Los Angeles area.

Common Car Accident Injuries

According to the National Highway Traffic Safety Administration (NHTSA), more than 2.3 million Americans are injured in car accidents every year. There are many types of injuries that commonly result from common accidents. The more minor ones are:

  • Cuts
  • Bruises
  • Friction burns
  • Broken nose
  • Whiplash
  • Headaches and body aches
  • Swollen joints
More serious injuries include:
  • Deep lacerations needing stitches
  • Organ damage
  • Internal hemorrhages
  • Amputation injuries
  • Bone fractures
  • Traumatic brain injury
  • Spinal cord injury
  • Wrongful death
Car accident attorneys

Even if you feel fine after an accident, you should go see your physician without delay. Even serious injuries may not make themselves immediately apparent until hours or possibly days later. Getting a medical examination will ensure that the full extent of your injuries are documented, quantified, and then integrated into your settlement or verdict.


Evidence for Your Car Accident Claim

If you were the injured party in a car accident and are seeking damages from the liable party, it is essential that you gather as much evidence as possible. The more supporting evidence you have, the stronger your case will be, and the more likely you will obtain a satisfactory settlement or verdict.

In car accident cases, the burden of proof lies with the person seeking damages – that is you, the plaintiff. This means it is up to you to substantiate your claims with evidence that supports your version of events leading up to the accident as well as your claims for physical injury, lost wages, and pain and suffering. Evidence can come in many forms and may include:

  • Police report
  • Medical records
  • Photographs of vehicle damages, injuries, skid marks, and traffic signs and signals
  • Traffic surveillance footage
  • Witness statements
  • Expert testimony

Wilshire Law Firm will conduct an investigation of your claim at no cost to you and provide you with an assessment of the merits and potential value of your claim.

Contact Us Today

Need legal guidance for your car accident claim? You can speak with one of our helpful legal experts by calling (800) 522-7274 or using our live chat option located on the lower right hand corner of this page. You may also submit an online contact form and we will get back to you shortly.

We have represented thousands of car accident victims since 2007, winning more than $100,000,000.00 in settlements and verdicts. Through aggressive settlement negotiation or successful court representation, we can help you obtain maximum monetary compensation for your damages.

Our firm employs cutting edge technology in all of our cases to ensure that our clients benefit from the latest research and resources available. To prove your version of how the accident happened, we will use:

  • High fidelity 3D animated accident reconstruction videos
  • Photographs and aerial or Google Earth depictions
  • X-rays, medical illustrations and medical models
  • Expert witnesses and investigators

Our car accident attorneys work on a contingency basis, which means there are zero upfront charges to you. We will receive a reasonable legal fee only when you obtain a settlement or verdict. Therefore, there is no reason to delay. Call Wilshire Law Firm at (800) 522-7274 for a free consultation. And let us help you get back on the road to recovery.

With 20 office locations throughout California, we represent car accident victims from all over the state. If you can’t come to one of our offices, we will come to you, whether you’re at work, at home, or in the hospital. Whatever your needs are, we will accommodate them to the best of our ability.