Being hit by a driver who has no insurance can leave you feeling anxious about how to pay for the mounting property and medical bills. California requires drivers to carry liability insurance, yet a significant number of motorists on Chula Vista, CA, roads are uninsured. Luckily, your own insurance policy may provide coverage specifically intended for this situation.
At Mission Personal Injury Lawyers, we represent accident victims who have been injured by uninsured and underinsured drivers. Our firm has over 43 years of combined experience and a record of recovering over 150 million for our clients. Our contingency fee structure means there is no cost to you unless we win. Contact our Chula Vista uninsured motorist accident lawyers today at (619) 722-3032 for a free consultation.
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How Can Mission Personal Injury Lawyers Help After an Uninsured Motorist Accident in Chula Vista?
Uninsured motorist claims in Chula Vista, California, involve your own insurance company, which may have teams of adjusters and attorneys working to limit what they pay you. Mission Personal Injury Lawyers levels that playing field. You have enough to worry about with recovery. Let us manage the legal issues.
Our Chula Vista car accident lawyers can help you by:
- Investigating the accident and documenting the at-fault driver’s lack of insurance
- Identifying all available coverage
- Gathering medical records, expert opinions, and evidence of injuries
- Calculating the full extent of your damages
- Handling all communications and negotiations with your insurance carrier
- Taking your case to trial if the insurer refuses to settle fairly
Insurance companies are not on your side, even when the claim is against your own policy. We know their tactics, and we are not intimidated by them. Reach out today for a free consultation with a Chula Vista personal injury attorney.
What Is Uninsured Motorist Coverage in California?
California law requires every auto insurer to offer uninsured motorist coverage with each liability policy it issues. Drivers may decline this coverage only by signing a written waiver.
Uninsured motorist (UM) coverage pays for your bodily injuries when the at-fault driver has no insurance at all. Underinsured motorist (UIM) coverage applies when the at-fault driver carries some insurance, but not enough to fully compensate your losses.
UM and UIM coverage can pay for medical expenses, lost wages, pain and suffering, and other damages you are legally entitled to recover.
How Common Are Uninsured Motorist Accidents in Chula Vista?
California consistently ranks among the states with the highest rates of uninsured drivers. The result is that Chula Vista residents face a higher risk of being injured by an uninsured or underinsured driver than residents of other parts of the state.
Having robust UM/UIM coverage and an experienced car accident lawyer on your side can make a big difference in your recovery.
What Injuries Commonly Occur in Uninsured Motorist Accidents?
The injuries that result from accidents with uninsured motorists are often serious and expensive to treat.
Common injuries in these accidents include:
- Traumatic brain injuries
- Broken bones
- Spinal cord damage
- Organ damage
- Cuts and lacerations
- Burn injuries
Many of these injuries require surgery, extended hospitalization, and months of rehabilitation. The financial consequences can be overwhelming, particularly when the at-fault driver has no insurance.
What Compensation Is Available to Me?
California law allows you to seek the same categories of damages you could pursue against an at-fault insured driver.
You may be able to recover:
- Medical expenses, both past and future, including emergency care, surgery, and rehabilitation
- Lost wages and reduced earning capacity
- Pain and suffering
- Reduced quality of life
If your injuries are severe and your policy limits are insufficient, we will also examine whether any other parties contributed to the accident and whether additional coverage sources are available.
If a family member was killed in an accident caused by an uninsured driver, your family may have the right to bring a wrongful death claim.
How Long Do I Have To File a Lawsuit?
California’s statute of limitations for personal injury claims is two years from the date of the accident. Uninsured motorist claims also carry their own contractual deadlines imposed by your insurance policy, and in some cases, those deadlines may be even shorter. It is important to act quickly.
Contact a Chula Vista car accident lawyer as soon as possible after your accident so evidence is preserved, policy deadlines are met, and your claim is strong from the start.
Contact Our Chula Vista Uninsured Motorist Lawyers for a Free Consultation
Being hurt by a driver with no insurance in Chula Vista, CA, does not have to mean you carry the financial burden alone. Mission Personal Injury Lawyers has the experience, resources, and determination to pursue every avenue of compensation on your behalf.
Call us today for a free consultation with a Chula Vista uninsured motorist accident attorney. We handle every case on a contingency fee basis, so you pay no attorney fees unless we win.