Rancho Cordova Uninsured Underinsured Motorists Lawyer

You were hurt in a car accident and just learned the at-fault driver did not have insurance or enough of it to cover your losses. In a situation like this, hiring a Rancho Cordova uninsured underinsured motorists lawyer becomes critical to protecting your right to compensation. 

At Triumph Law, our team has over 20 years of trial experience. Our Rancho Cordova car accident lawyer will exhaust all strategies for recovering damages and provide reliable, steadfast legal advice.

What Makes Filing an Uninsured Motorist Claim Challenging

If you have uninsured or underinsured motorist coverage, you can file a claim under that policy for your losses. It is your policy, and you expect your insurance company to be fair to you. Yet, that is not what happens in many situations.

The first complication comes when the insurance company wants to refute your claims or deny your coverage for various reasons. Some insurance companies will delay the process so much that it frustrates you enough to settle for less than they owe you. Other times, they may encourage you to settle right away, hoping you will not realize what additional losses you could recover.

The second complication comes in the limitations of coverage. You may not have enough uninsured or underinsured motorist coverage to meet all of your losses. That can complicate your recovery substantially, as well.

How Our Uninsured and Underinsured Motorist Lawyer in Rancho Cordova Can Help You

Our extensive experience navigating complex car accidents like this enables our Rancho Cordova personal injury lawyer to help you maximize your claim. You cannot simply count on your insurance company to be fair to you, and you certainly need an advocate who will fight for you. There are several key ways we can help you.

• Calculate your losses. Your policy may cover most of the losses you have after a car accident like this. That includes economic and noneconomic damages. 
• We will clarify your legal options. In situations where filing a lawsuit against the at-fault party may be beneficial, we will work with you to create a plan and build a case. 
• Negotiate on your behalf. Our skilled legal team will not settle your case for too little but will negotiate a fair level of compensation up to the value of the policy and the allowable amount under the law.

If you need to pursue legal action against the at-fault party, our legal team will build your case, gathering evidence and strengthening any claims you have. We are resilient, trusted attorneys passionate about helping our clients. Expect us to fight for your fair and full recovery of damages. 

The Problem with Pursuing Legal Action in an Uninsured Driver Case

One of the reasons why a driver may not have insurance in the first place is because they may not have the funds to pay for it. That may mean they really do not have any assets for you to pursue, and the legal action you take in court may not lead to any true recovery of damages.

Let our legal team investigate the best decisions for your situation and create a plan for recovering your damages as fairly as possible.

What to Expect If the Other Driver is Uninsured

California law asks drivers to maintain auto insurance requirements on their vehicles to maintain their license in the state. When a person lacks this type of financial protection, it means that anyone they hurt due to their negligence is put at risk of having no recourse to obtaining compensation. If you are in a car accident with a driver who does not have insurance, there are several steps to consider.

• You can file a claim with your own uninsured driver policy, a type of auto insurance you purchase to cover losses in these situations.
• You can pursue legal action against the at–fault driver to recover their assets. They are still liable even if they do not have insurance. 
• If the accident was a hit and run, you can use your uninsured motorist coverage, but the police will also continue to determine who the party is so they can be held accountable.

In all situations, you have the right to compensation based on what types of insurance policies are available to you. In situations like this, though, filing a claim is not simple, which is why having an uninsured underinsured motorists attorney in Rancho Cordova can be critical.

Insurance companies will not protect your right to compensation.

What Happens in Underinsured Cases Can Be Confusing

In some situations, the other driver has insurance but may not have enough insurance to cover all of the losses they caused to you. In these situations, you still have legal action available to you, and there are several routes you can take. The most common is to file a claim against your underinsured motorist coverage for the value of your losses.

It is up to your insurance company to cover the remaining balance after justifiable losses. Do not assume your insurance company will simply write you a check. They will work to reduce the claim owed in any way they can, reducing any compensation they pay out.

This is yet another reason to have a skilled uninsured or underinsured motorist lawyer in Rancho Cordova working on your behalf. We ensure that the insurance company takes you seriously, and if it does not, we will file a lawsuit against it in court. Expect our Rancho Cordova fatal car accident lawyer to remain your advocate throughout this legal process.

Contact our Rancho Cordova Uninsured Underinsured Motorists Lawyer Now

Our Rancho Cordova uninsured and underinsured motorists attorney has the skill and experience you need to get the financial compensation that you’re owed from all viable sources. 

Let us calculate your losses and build a case backed by evidence. Schedule a free consultation now with the legal team at Triumph Law to learn more about your options.