Uninsured/Underinsured Car Accidents in Los Angeles

In California, traffic laws require drivers to carry a minimum level of insurance on their vehicles. However, some drivers may let their insurance lapse or maintain only the bare minimum coverage, which might not be sufficient to cover all damages in a serious accident.

If you are injured in an accident involving an uninsured or underinsured driver in Los Angeles, obtaining fair compensation can be particularly challenging. Reach out to CD Law today to begin working with a knowledgeable car accident attorney to explore your options for recovering the maximum compensation possible.

Understanding Underinsured Drivers

The minimum insurance requirements in this state are $15,000 for injury or death of one person, $30,000 for injury or death of multiple people, and $5,000 for property damage. Given the high costs associated with serious car accidents, including vehicle repairs and extensive medical treatment, drivers with only the minimum required coverage are often considered underinsured. This becomes problematic when the damages exceed their policy limits.

If you are involved in an accident with an underinsured or uninsured driver in Los Angeles, your personal insurance policies may provide some relief. Health insurance can help cover medical expenses, and if you have an uninsured motorist rider on your car insurance policy, it can help cover additional costs. Alternatively, you can pursue legal action against the at-fault driver. Once a judgment is obtained, you may collect damages through liens on their assets, such as their home or wages.

Types of Damages You Can Seek

An accident with an uninsured or underinsured Los Angeles driver can leave you facing significant financial strain. The damages you can seek include compensation for the economic and non-economic forms of loss you experience.

Economic Damages

Economic damages include those with a specific dollar amount. This often includes past and future medical bills, lost wages from time missed at work, diminished earning capacity, and property damage.

Non-Economic Damages

Non-economic damages are more subjective and can be harder to put a price on. This includes pain and suffering, emotional trauma, and a loss of enjoyment of life.

Punitive Damages

Punitive damages may be sought if the responsible driver’s actions were particularly egregious, such as driving under the influence. These damages are only awarded in rare situations and are meant to punish the wrongdoer and deter similar conduct in the future.

Your attorney will help you assess your damages to ensure you pursue the full extent of compensation available to you.

Work With CD Law After an Uninsured/Underinsured Los Angeles Car Wreck

At CD Law, we are committed to advocating for your rights following an accident with an uninsured or underinsured driver in Los Angeles. Our team is prepared to take your claim to court if necessary to ensure you receive the compensation you deserve. We pride ourselves on our compassionate, one-on-one approach, providing personalized attention to address your needs and answer your questions. Contact us today to schedule your free initial consultation and take the first step toward recovery.