Uninsured/Underinsured Car Accidents in Victorville

Car crashes are stressful, but when the at-fault driver lacks sufficient insurance, or has none at all, the frustration and uncertainty quickly accumulate. Medical bills, car repairs, and missed time from work may leave you wondering who will cover the cost of your recovery. Fortunately, uninsured/underinsured car accidents in Victorville do not always leave injured drivers without options.

Our attorneys at Walter Clark Legal Group understand that these situations may be overwhelming. We could help you understand your insurance coverage, identify all possible sources of compensation, and pursue the support you need to move forward after an auto collision with an uninsured or underinsured driver.

What Is Uninsured and Underinsured Motorist Coverage?

Uninsured motorist (UM) and underinsured motorist (UIM) coverage are included in many standard auto insurance policies in California. These protections help drivers recover compensation if the person responsible for the crash has little or no insurance to cover the damages.

There are three main scenarios where UM/UIM coverage usually applies, including when an at-fault driver has no insurance at all. Alternatively, the other driver’s liability coverage may be insufficient to pay for the injuries or losses. The final scenario is a hit-and-run where the driver could not be identified.

In the case of a UM/UIM car crash in Victorville, the injured party’s insurance company may provide compensation. However, dealing with their own provider does not guarantee an easy or fair process.

Damages Recovered Through a UM/UIM Claim

When UM or UIM coverage applies, an injured person may be able to recover compensation for damages similar to those in a typical injury claim, including:

• Emergency room care, hospital stays, and rehabilitation
• Prescription medication and follow-up treatment
• Lost wages and diminished earning capacity
• Property damage to a vehicle or an individual’s belongings
• Pain and suffering

An experienced attorney in Victorville could help ensure that the insurance company evaluates the full extent of the losses caused by a UM/UIM car accident. They could also negotiate on behalf of the injured party to prevent undervalued settlement offers.

Challenges Filing a UM/UIM Claim

Even though UM/UIM claims are filed with the injured party’s own insurer, these insurance companies are still motivated to minimize payouts, disputing the value of the injuries, delaying the claims process, or arguing that the individual’s losses are not covered. This is why Walter Clark Legal Group recommends seeking legal guidance.

In Victorville, insurance providers know that uninsured/underinsured car crash victims often fail to understand the full value of their claims. Having a dedicated legal advocate balances this situation.

Overlapping Policies and Complex Insurance Situations

In some Victorville UM/UIM auto accident cases, more than one insurance policy may be relevant. For example, if the at-fault driver has minimum coverage, the injured party’s UM/UIM insurance policy could cover the remainder of the damages.

There may also be umbrella policies, employer-related insurance, or coverage from another household member that applies. Sorting through these options may be confusing, especially while recovering from an injury. That is where an experienced attorney makes a difference.

A car accident lawyer knows how to evaluate overlapping policies, coordinate benefits, and pursue the maximum compensation available. They could ensure you are not left paying for another driver’s irresponsibility.

Talk to a Victorville Attorney Today About Your UM/UIM Car Crash

Dealing with uninsured/underinsured car accidents in Victorville is often more complicated than anticipated. Walter Clark Legal Group is committed to helping injured drivers understand their rights and hold negligent drivers accountable, even when insurance is limited.

Our team has the knowledge to guide you through the claims process with compassion and the determination to protect your financial recovery. Call today to schedule your free consultation.