Santa Monica Uninsured/Underinsured Motorist Insurance Attorneys
California law requires that all drivers be covered by an automobile insurance policy.
However, far too often, victims of auto accidents discover that the person that hit them was not insured or did not maintain sufficient insurance at the time of the accident to compensate them for their injuries. For this reason, it is always a good idea to carry “Uninsured/Underinsured Motorist” coverage on your own auto insurance policy. This type of coverage is often overlooked by consumers when purchasing insurance or not offered to them by their insurance agent or insurance company.
The additional cost of Uninsured/Underinsured Motorist coverage is usually minimal.
In comparison to the effect of being involved in a serious accident where the other motorist fails to maintains a minimum insurance policy of $15,000.00, or even worse, no insurance at all. Uninsured/Underinsured Motorist coverage is usually abbreviated on your policy declaration page as “UM/UIM” coverage.
What if you don’t carry Uninsured/Underinsured Motorist coverage on your insurance policy?
If you have been hit by an uninsured or underinsured motorist and you don’t have the Uninsured/Underinsured Motorist coverage on your insurance policy, you still have a right to recover all damages that you incur. The at-fault party is responsible for any damage they cause regardless of whether they have insurance. The law offices of Schwimer Weinstein can advise you of your rights and help get you the compensation you are entitled to.
Getting fair compensation from your own insurance company.
Contrary to what you may think, even your own insurance company will likely attempt to settle your first party claim for an unreasonably low amount. However, as a first party claim, you have additional rights through your contract with your insurance company.
Insurance Bad Faith Attorneys
There is an implied covenant of good faith and fair dealing that is in every contract of insurance in California. When your own insurance company breaches that contract and fails to deal with you fairly and in good faith, this may give rise to an additional claim, which is referred to as “insurance bad faith.”
In this situation, you may be entitled to punitive damages and damages for the hardships you face for any such breach. Schwimer Weinstein can make sure that your insurance company gives you a fair shake and compensates you for your medical bills, lost wages, and pain and suffering.
We can help. Contact Schwimer Weinstein for a free, no-obligation consultation.