Personal Injury Lawyer Costa Mesa
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Hit by an Uninsured or Under-insured Driver?

Contact Costa Mesa CA car accident attorney Daniel C. Carlton

It's hard enough being rear-ended, sideswiped or hit head-on by another driver. Finding out later that the driver has no car insurance or not enough coverage can make the experience even more traumatizing.

Who will pay for medical expenses associated with your car accident? Who will cover car repair costs or pay for a new car if yours was totaled in a crash? The answer could be in your own car insurance policy, which may include what is called "Uninsured Motorist Coverage."

But getting straight answers after these types of car accidents can be complicated. That's why it's critical that you talk to an experienced car accident attorney who understands the law and knows how to get results. That's why you need to call the Law Offices of Daniel C. Carlton in Costa Mesa. We know how the legal system works in Southern California. That's because attorney Carlton has been handling such complex cases here for more than 40 years.

Your uninsured motorist coverage can cover crash

Sometimes, an Uninsured Motorist Coverage claim is denied and you need legal representation to fight for what is rightfully yours. Your own insurance company may argue that you caused the accident. As a result, you may have to prove that you were a victim of the other driver's negligence or recklessness, such as obtaining records to establish that he or she was texting while driving. It may have been a DUI crash, in which case you could be responsible for obtaining the police report showing the driver's breathalyzer test results.

When you don't know how the system works, it can be an intimidating, frustrating and fruitless process to take on by yourself. That's why it's critical that you an experienced car accident attorney on your side, looking out for your best interests. Contact our law firm and learn more about your legal rights. Schedule your free case evaluation today.

Common questions, concerns people have

Crash with an under-insured driver? You can be compensated by your coverage

Some careless or reckless drivers who cause car accidents in have minimal insurance, which won't pay for all your medical treatment and property damage costs. This is known as an underinsured driver accident.

When these accidents happen, you may be able to file a claim with your own insurance carrier if you have what is called "Uninsured Motorist Coverage." Such coverage exists for exactly this type of situation, when the other driver has no insurance or not enough to cover accident costs, in which case your car insurance policy can pay the balance.

Actually getting this compensation can sometimes be extremely complicated. That's why we want to meet with you. We can explain all the options available to you and which one makes the most sense based on your specific circumstances. We're looking out for your best interests.

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When the driver who hit you doesn't have enough insurance, call us!

When you are involved in an accident with an underinsured driver, the most direct way to pursue a settlement is to make a claim against your own uninsured motorist policy. Your own insurance company may dispute your uninsured motorist claim and either make a lowball offer that won't cover your accident costs or not pay any settlement at all. The adjuster may insist that the accident was your fault, not the underinsured or uninsured driver who hit you.

You may be required to prove that you pursued the other driver's insurance company and that the accident caused you significant car accident injuries. Going after that driver's insurance company could be difficult and intimidating. They may not return your calls and the other driver may become hostile and uncooperative. If your own insurance company denied your claim, even though you've been paying uninsured motorist coverage premiums, what can you do? Call us! We can go to bat for you and fight for the settlement you deserve.

Knowing what to do after being involved in any type of car accident can be difficult and confusing for the average person. If you find out that the other driver is uninsured, you might feel like you have no options. You do have options. An experienced, car accident lawyer can help protect your rights and pursue the compensation you need. Call (949) 757-0707 today.

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What is Uninsured Motorist Coverage?

Often times, car insurance policies include protection for drivers who are involved in accidents with uninsured motorists. Called "Uninsured Motorist Coverage," these essential benefits allow you to be compensated for car repair or replacement costs, medical bills, and lost wages due to your inability to work. Even if you have this type of coverage, your own insurance company might still deny your claim or offer an unreasonable settlement.  This is one of the reasons why you need to contact an attorney who can be on your side.

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How a car accident attorney can help you

Accidents involving drivers without insurance or without enough coverage can be frightening. You may be dealing with car repair costs or need a new vehicle after an accident. You or a loved one might have been hurt in the accident, which means you may have medical bills and lost wages. With so much at stake, it's critical to know your legal rights in the event of a car accident with an uninsured or under-insured motorist. Contact a car accident lawyer serving all of Southern California, including Costa Mesa and Irvine. At the Law Offices of Daniel C. Carlton, we can discuss your legal options and help you develop a strategy that produces desired results.

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