El Dorado Hills Uninsured Underinsured Motorists Lawyer

If you were struck by a driver without adequate insurance, you might be wondering how to recover the compensation you need to rebuild your life. When you work with a trusted El Dorado Hills uninsured underinsured motorists lawyer, you can pursue justice and explore all avenues for financial recovery. 

With the help of an experienced El Dorado Hills car accident lawyer with Triumph Law, backed by over 20 years of combined experience, you can feel confident knowing we are handling the legalities of your case, so contact us today to request your free consultation.

Uninsured and Underinsured Motorist Accident Injuries May Be Debilitating

Uninsured and underinsured motorist accidents can lead to devastating injuries, leaving you with physical, emotional, and financial challenges. The severity of your injuries often determines the amount of compensation you may be entitled to receive. 

Your El Dorado Hills uninsured underinsured motorists attorney with Triumph Law can help you understand how your injuries affect your claim and pursue the compensation you need to recover.

Traumatic Brain Injuries

Traumatic brain injuries (TBIs) are common in uninsured and underinsured motorist accidents due to the significant impact of a collision. TBIs can occur when your head strikes a hard surface or when your brain is jolted violently within your skull. 

Your El Dorado Hills personal injury lawyer can help you demand maximum compensation for the long-term effects of these injuries.

Emotional Injuries

Emotional injuries are often overlooked but can have a profound impact on your recovery after an uninsured or underinsured motorist accident. Post-traumatic stress disorder (PTSD), anxiety, and depression are common emotional challenges faced by accident survivors. These injuries can make it difficult to return to daily activities, maintain relationships, or regain a sense of normalcy.

Spinal Cord Injuries

Spinal cord injuries and back injuries are among the most serious outcomes of uninsured or underinsured motorist accidents. These injuries can range from herniated discs and fractures to complete spinal cord damage that results in paralysis. Symptoms may include chronic pain, loss of sensation, or reduced mobility, depending on the severity and location of the injury.

Uninsured and Underinsured Motorist Claims Are Notoriously Stressful

Uninsured and underinsured motorist (UM/UIM) claims are often far more stressful than standard car accident claims, especially when you are already dealing with the physical and emotional trauma of a collision. 

California operates as a fault-based insurance state under California Insurance Code § 11580.1, which means the driver responsible for the accident is liable for damages. Some of the most common reasons UM/UIM claims can be more complex and stressful include:

• Proving the at-fault driver is uninsured or underinsured requires detailed documentation and evidence.
• Insurance companies often delay processing UM/UIM claims, leaving you without financial support for weeks or months.
• Insurers may dispute the extent of your injuries or claim that your medical treatment was unnecessary.
• Establishing the full value of your claim can be difficult when insurers undervalue non-economic damages such as pain and suffering.
• Policy limits on UM/UIM coverage may not fully address the extent of your damages.
• Multiple insurance policies may overlap, creating confusion about which insurer is responsible for payment.
• Insurance companies may require extensive paperwork and recorded statements, which can feel invasive and time-consuming.

If you purchased optional no-fault auto insurance coverage as part of your policy, you may be able to file a claim against your own insurer for additional compensation. This type of coverage can help address medical expenses, lost wages, and other damages when the at-fault driver is unable to pay. Your El Dorado Hills uninsured underinsured motorists attorney will review your policy and explore all available options to help you access the financial support you need when you need it most.

What to Expect After You File an Insurance Claim Involving an Uninsured or Underinsured Motorist

Uninsured and underinsured motorist claims are often caused by another driver’s negligence, leaving you with significant damages that someone else should cover. If you suffered injuries in a collision with an uninsured or underinsured motorist, you should not be responsible for these costs. Understanding what to expect after filing your claim with the insurance company can help you feel more prepared as your case progresses.

Insurance Will Not Cover Every Loss

Insurance settlements involving uninsured or underinsured motorists often fail to cover the full value of your claim. Liability policies generally only cover economic damages such as medical expenses, lost wages, and property damage up to the policyholder’s limits. However, when the at-fault driver’s coverage is insufficient, your remaining damages may not be addressed through their insurance alone.

The Insurance Company May Attempt to Convince You to Settle for Less Than You Deserve

Insurance companies are profit-focused businesses that often prioritize minimizing payouts over providing fair compensation. After filing an uninsured or underinsured motorist claim, the insurance company may use tactics to pressure you into accepting a lower settlement than you deserve. Common tactics insurance companies may use to reduce your payout include:

• Arguing that your medical treatment was unnecessary or excessive.
• Claiming your injuries are not as severe as reported.
• Delaying the processing of your claim to create financial pressure.
• Disputing the cause of the accident or your account of events.
• Offering a quick settlement before you understand the full extent of your damages.
• Misrepresenting policy terms or coverage limits to limit your compensation.
• Requesting unnecessary documentation to delay or complicate the claims process.

The Insurance Company May Accuse You of Sharing Liability for the Wreck

The insurance company might try to shift blame onto you to reduce the amount they have to pay for your claim. Under California Civil Code § 1714, the state follows a pure comparative negligence rule, meaning your compensation can be reduced by your percentage of fault. 

This means that if you are found partially responsible for the accident, your settlement will be decreased proportionally.

Meet With a Dedicated Uninsured Underinsured Motorists Attorney in El Dorado Hills for Help Today

If you are struggling to recover after an accident caused by an uninsured or underinsured driver, legal support could make all the difference in your case. Your compassionate uninsured underinsured motorists lawyer in El Dorado Hills from Triumph Law can help you explore every avenue for financial recovery while you focus on healing. 

Call our office or complete our secure contact form to schedule your free, no-obligation consultation as soon as today.