Here at Shawn Steel Law Firm we fight determinedly for the rights of anybody who has been injured in an accident which was not their fault. We provide a personalized and dedicated service for all our clients and feel enormous sympathy for anybody who has been the victim of negligent driving anywhere on our highway system.
Anybody who has been hit by another vehicle is legally entitled to make a claim for compensation from the person who was at fault. There can be nothing more demoralizing than to discover that somebody else’s negligence has caused your long term and debilitating injuries, the full cost of which seems to spiral in no time at all after the accident.
These feelings can be made doubly worse, if it is discovered that the motorist who hit you was either uninsured or underinsured, as it might appear at first that little in the way of damages can be claimed back from the perpetrator of the accident.
We advise any accident victim who has been injured by an uninsured or underinsured motorist to contact one of our accident attorneys here at Shawn Steel Law Firm as there may be something which can be salvaged from the situation which confronts you. To start with, it pays to understand the differences between these two categories of motorist.
Anybody who is in charge of a motor vehicle must by law be insured for third party damage to both property and people. The penalties for being discovered to be uninsured are quite severe. Drivers can be fined, lose their license, their vehicle, and face a period of imprisonment in a county or state institution.
This, of course does not make it any easier for the unfortunate victim of an uninsured motorist’s negligent driving.
A personal injury claim depends on the person at fault having insurance. Most claims are fought for by personal injury attorneys, such as ourselves, and more often than not the negotiation is done out of court between the attorney and the insurance company of the driver at fault. Occasionally, defiant drivers may make a trial necessary. An uninsured driver, by definition, does not have an insurance policy to compensate an accident victim, but may in some circumstances have other assets which can be used to help pay for a victim’s medical bills and loss of income.
When you have been involved in an accident caused by an underinsured motorist, the situation is rather different. The motorist is not uninsured and holds the statutory minimum requirements for insurance cover in the event that he or she has caused an accident. The issue is that the total amount for which this driver at fault is insured for may not be sufficient to cover your full costs. There are accidents of different severity. If you have been really unfortunate to have suffered damage to a vital part of your body like your spinal cord or your brain then the long term costs of these sorts of injuries can be astronomical. Not everybody is insured to cover the estimated costs of a seriously injured person, even if it can be proved without the shadow of a doubt that that person was injured as a result of their negligence.
What can you do?
As has been already stated, you should never immediately think that there is no recourse to your situation. You should make an appointment with one of our knowledgeable and experienced personal injury attorneys here at Shawn Steel Law Firm. There are at least three possible ways in which you might be able to recover something from your situation.
- When the details of the accident are carefully examined, it may be discovered that there was not only a single factor causing the accident. There may have been other parties involved who were at least partially at fault and it may be possible to make a claim against any one or all of these.
- A careful examination of your insurance policies may reveal that you actually have more coverage than you first thought. One of the policies which you possess may help to alleviate, at least, some of the costs of your injuries which are not paid for directly by the uninsured or underinsured driver.
- The driver may have assets which can be seized and used as part or full payment in a successful personal injury claim made against them. This is not particularly common as many people who are either uninsured or underinsured are in that situation because they think that they cannot or will not afford the full cost of their insurance responsibilities.
If you, or a member of your family, have suffered injuries in a traffic accident that was not your fault, and an uninsured or underinsured motorist was involved, then don’t hesitate to call us at our California office now at 800–626–003 for a free evaluation of your situation.