Underinsured Motorist Claims Attorneys in Oxnard

Helping Clients In Oxnard Pursue Compensation

In California, insurance companies are required by law to offer drivers uninsured / underinsured motorist insurance. In fact, if you decide not to purchase this type of insurance, you must sign a waiver that says you were offered the coverage and turned it down.

Uninsured / underinsured motorist insurance covers divers in accidents that involve parties who don’t have any liability insurance, or who are underinsured. Common policies include:

• Uninsured Motorist Bodily Injury (UMBI): This type of insurance policy covers injuries to you and any person in your vehicle when an accident occurs with an uninsured driver who is at fault. The limits are usually the same as your liability coverage limits.
• Underinsured Motorist (UIM): Pays for limited costs for bodily injury if you are in a collision with a driver who does not have enough insurance to pay for your damages.
• Uninsured Motorist Property Damage (UMPD): This policy covers damage your car sustained from an accident with an uninsured driver who is at fault. This only pays out for damages if the uninsured driver is identified.

It is crucial to make sure you have enough insurance to cover all accident scenarios, otherwise you can end up losing out on thousands of dollars after an accident involving serious injury or major property damage.

Many times, minimum liability coverage is not enough for these types of accidents, which why our lawyers are here to help make sure you obtain the maximum amount of compensation you are entitled to. We can review your case to determine a strong legal strategy that will protect your rights and interests. Let us fight for you today!

When Does UM/UIM Coverage Apply?

UM/UIM coverage generally applies in the following situations:

• Accidents involving drivers without insurance.
• Accidents involving insured drivers who don’t have enough coverage to fully compensate the total damages.
• Accidents involving unidentified hit-and-run drivers.

Let Us Help You Recover Compensation

If you want to secure fair compensation from your uninsured or underinsured motorist policy, you will need to prove that the other party was at fault for the accident and subsequent damages.

Although the purpose of UM/UIM policies is to protect you at a vulnerable moment, not every policy offers a level of coverage for every situation. In fact, there are some situations in which an insurer might not be required to cover your accident, which means you can be left to deal with a hefty bill for your vehicle repairs and any injuries you suffered.

Because it can be a difficult task to get an insurance company to pay for your accident damages, it is a good idea to consult with an attorney, this way you can get legal advice from an experienced professional who knows how to deal with insurers.

At Crane Flores, LLP, our team of car accident lawyers have more than 50 years of combined legal experience and we are committed to helping accident victims obtain fair compensation for their damages. We have the skills and resources you need to hold insurance companies and negligent motorists accountable. If you have filed or plan to file a UM/UIM claim in Oxnard, Ventura, or Santa Barbara, we can help guide you through this complex process. Let us get to work for you today.

Call (805) 628-4967 to schedule a meeting with our underinsured/uninsured accident attorneys. We are here to help with your case 24 hours a day, 7 days a week.