In the state of California, all automobile insurance policies must include uninsured motorist (UM) coverage. This coverage would allow you to file a claim with your own insurance company after a car accident if the other driver was either uninsured or they fled the scene before offering their information—which is more commonly referred to as a "hit and run." While the state minimum for uninsured motorist coverage is $15,000, you can supplement an existing policy with additional coverage at any point. This is usually recommended, as the amount of compensation that you can recover after an accident would be limited by the amount of your coverage.
The minimum may be enough to cover a substantial portion of your damages, but in some cases, a victim's financial losses can total in the tens or even hundreds of thousands. For this reason, you may want to build a policy that will adequately cover your medical expenses, damages for pain and suffering, lost earnings, etc. Recovering fair compensation from the insurance company can be hard enough, so you should not limit yourself by settling for the minimum. Fortunately, bolstering your UM coverage is relatively inexpensive. With the help of a Modesto personal injury lawyer from the Law Offices of Steven A. Fabbro, you can explore your coverage options and find a policy that works for you.
If you have already been involved in an uninsured motorist or hit and run accident, you may also need help negotiating with the insurance company—which is something that our firm is well-equipped to assist you with. Although the terms of your policy may be contractually documented, it will not stop some insurance providers from denying, ignoring or delaying your uninsured motorist claim. For this reason, you should not hesitate to find out how the Modesto injury attorney at our firm can help. Not only does our firm possess more than three decades of experience, but our lead attorney, Steven Fabbro, has even received an AV Preeminent® rating from Martindale-Hubbell®.
For this reason, you can rest assured that your UM claim is in good hands when you trust in our firm to represent you. We understand just how devastating the ramifications of a car accident can be, so we fight aggressively for the level of compensation that our clients deserve. If you are interested in finding out what the Law Offices of Steven A. Fabbro can do for you, give us a call today at (209) 803-5117 for a free initial consultation. You can also reach us online by filling out the free case evaluation form that is conveniently located on our website – click here to get started.