What Is an Uninsured / Underinsured Motorist Accident?

A careless driver irresponsible enough to cause a serious car accident is often the same driver who lacks the responsibility to carry liability insurance (even though required by law) or whose coverage has been cancelled for careless driving or nonpayment of premiums. Even more common is the situation where the accident victim’s medical expenses, lost income, and other damages are far in excess of the liability coverage carried by the other driver.

In such cases, it’s necessary to seek the excess damages from your own insurance company under your uninsured/underinsured auto policy coverage. Contact experienced Bay Area personal injury attorney Todd Emanuel  for effective representation during these difficult negotiations. Typically, UM/UIM coverage provisions are highly technical, subject to conditions, and must be carefully examined to make sure that you’re presenting your claim for uninsured or underinsured motorist coverage in precisely the right way.

Northern California uninsured motorist law attorney Todd Emanuel has extensive experience with UM/UIM claims and enjoys a reputation among insurance adjusters and defense lawyers as a tough and knowledgeable practitioner in this complex practice area. We know how to interpret the policies, and structure the negotiations with the other motorist’s insurer – if any – to maximize your ability to proceed against your own insurer for excess damages.

Because your ability to get the most out of your underinsured motorist protection often depends upon assigning to your own insurer your rights against the other driver, and might involve negotiations with multiple parties, it’s extremely important to handle every aspect of your UM/UIM claim correctly.

For additional information and a free consultation, contact the Emanuel Law Group at our San Mateo County office, or in one of our other locations throughout the Bay Area. We want to hear from you.