Oakland Personal Injury Lawyer Tips: Uninsured Motorist Claims By Thomas Lewellyn

insurance policy.jpgMore and more drivers are being injured in accidents where the driver responsible for the accident is either uninsured or underinsured. DMV records show the number of uninsured drivers increasing every year. For the last year where these statistics were available there were over 1.3 million uninsured vehicles in California. The value of these uninsured motorist claims have steadily been rising over the past several years.

Often uninsured motorists flee the scene following an accident. When there is a hit and run situation, your uninsured motorist coverage will protect you, but there are certain steps that you must do to protect your rights.

These steps are set forth in Insurance Code Section 11580.2. First, you must file a police report. Second, you must establish there was a contact between your vehicle and the hit and run vehicle. There need not be major damage but there must be at least some minor contact between your vehicle and the hit and run vehicle. This contact could even be in the form of the hit and run driver hitting some other object which then hits yours. The crucial thing to remember is to document with photographs and area of your car which have been contacted as a result of the other driver’s actions. If you have not proof of contact, your claim will be denied by your insurance company.

As an Oakland uninsured motorist lawyer, I have seen many abuses by insurance companies of their insureds who made uninsured motorist claims. If you have been injured in a hit and run uninsured motorist accident, it is important that you know your uninsured motorists rights and take appropriate and immediate steps to preserve those rights.

Resource:

Department of Motor Vehicles, Estimated Rate of Uninsured Motorists, 2004

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