Uninsured motorist coverage makes things a whole lot easier If you are injured by an uninsured driver in Orange County. Unfortunately, when this happens, the insurance company does not just pop a check in the post. In fact, the opposite is usually true, as these claims tend to be surprisingly difficult.
You are probably already aware that an insurance company is, at its core, a for-profit business whose main concern is turning a profit. In order to maximize their financial gain, they work very hard at reducing the amount they pay on every claim as much as possible. Many people believe that since they pay their premiums each and every month, the insurer will be forthcoming and cooperative when it comes to their uninsured or underinsured motorist payment, but this is rarely the case.
The reality is that insurance providers are not any easier to deal with when it comes to their own policyholders. Every penny they pay out on your claim is a penny off of their bottom line. This means they will challenge every part of your claim any chance they get. This is just one of the reasons it is essential to have an experienced Orange County uninsured motorist/underinsured motorist lawyer from Beckerman Anderson managing your claim, especially if you were hit by an uninsured driver.
To prove your uninsured motorist/underinsured motorist claim, you will have to show that:
- The at-fault driver behaved negligently, and this negligence was the cause of your accident and subsequent injuries
- The at-fault driver has no insurance or insufficient insurance to cover your damages
- How much of your damages remain uncovered
Just as with any other kind of car insurance claim, you will also have to prove that the other driver was negligent. This means you have to show that:
- The at-fault driver owed you a duty of care by driving in a reasonably safe manner.
- The at-fault driver violated that duty by driving while distracted, driving under the influence, speeding, or breaking other driving laws.
- The at-fault driver’s violation of duty was the cause of the accident and your subsequent injuries.
You must also prove your claim’s overall value. This can involve submitting your hospital bills, pay stubs from previous months, expert testimony from occupational or medical professionals, and more. Establishing fault for an accident, especially one involving an uninsured driver, and the sum of your damages is a lot more difficult than most people realize. Our Orange County personal injury law firm knows the most effective ways of collecting, cataloging, and presenting all of the evidence necessary to support your uninsured or underinsured motorist claim.