Holding Insurance Companies Accountable
Far too many drivers are out on the road in California without adequate insurance. Some don’t have it at all, and some don’t have nearly enough.
What happens when one of those drivers hits you and causes serious injuries?
At the Law Office in Daniel J. O’Neill, in San Luis Obispo, we know how to pursue recovery for injured people from all available sources after a car accident, including their own UM/UIM insurance coverage. Contact us today for a free consultation to learn more. We serve clients throughout California.
What Happens When the Driver Is Uninsured/Underinsured?
If you have been injured in a car crash by a driver who does not have insurance, or whose insurance coverage is insufficient to compensate you fully, there are other potential sources of recovery we can pursue.
First, we will examine all relevant insurance policies that may apply. Even if the other driver does not have adequate insurance, it could be that another policy is available, such as that of the vehicle owner (if different from the driver). We may be able to “stack” insurance policies, which means getting part of your recovery from one policy and part of it from another.
Your Own UM/UIM Coverage
There is also the possibility of recovering from your own insurance company under the uninsured/underinsured motorists coverage (UM/UIM) you purchased. Making this type of claim is best done with the assistance of an experienced lawyer because your insurance company is likely to offer many defenses as it attempts to get out of paying on the claim.
As an experienced personal injury attorney, Daniel J. O’Neill knows how to handle insurance issues in all types of motor vehicle accidents, including truck accidents, motorcycle accidents, pedestrian accidents and bicycle accidents. Let us advocate for you with the insurance companies and aggressively pursue the compensation you deserve.
Call 1-877-640-6522 for a Free Initial Consultation
Daniel O’Neill has received the AV-rating* in Martindale-Hubbell’s peer review rating system and is listed in the Bar Registry of Preeminent Lawyers. In addition, he is a graduate of Gerry Spence’s prestigious Trial Lawyers College. To learn how his experience and commitment to his clients’ welfare can benefit you in uninsured motorist cases, contact our office in San Luis Obispo for a free initial consultation.