It’s hard enough dealing with a car crash to begin with. But finding out later that the driver who hit you has no insurance, or too little insurance, can make a complicated situation even more difficult to navigate.

How are you going to pay for medical expenses due to accident-related injuries? Who covers repair costs or pays for a new car if yours got totaled in an auto accident?

When you’ve been hit by a driver who has no insurance or too little insurance, or if you’ve been in a hit-and-run accident, the answer might be your own car insurance company’s “Uninsured Motorist Coverage.” San Diego car accident attorney Ronald B. Laba can review your policy after your accident and help you decide your options. Call 866-434-1577 for a free consultation.

Insurance companies can be difficult when your claim is complicated

While you might expect your uninsured/underinsured driver claim to go smoothly, you may run into obstacles. Just because you pay into your own policy’s Uninsured Motorist Coverage doesn’t mean your own insurance company is willing to honor your claim. In fact, your own insurance company in essence “steps into the shoes” of the other party and opposes your claim just as rigorously as if it were acting as the other person’s insurance company.

You may only have a limited time to file such a claim, which is why you should take action as soon as possible after the accident. Furthermore, your own insurance company may not agree on a settlement figure. The company may even deny your claim for any number of reasons, including filing too late. Remember, your insurance company has a duty to handle your claim in good faith. If the company unfairly denies your claim, it may be acting in “bad faith” and you may be able to take your claim to court.

Remember, the insurance company is not necessarily there to protect you. It’s there to protect its profit.

Because uninsured/underinsured claims can be difficult, it’s important to consult with a San Diego attorney. If you’ve been in an accident with an uninsured or underinsured motorist, contact the Law Offices of Ronald B. Laba immediately.

A San Diego attorney ready to protect your rights

We understand that accidents with underinsured or uninsured drivers leave injury victims frustrated, scared, intimidated and unsure of what to do. Some people find it hard asking for help. Others might think they can handle the claim on their own. If you think you don’t need a lawyer for your uninsured/underinsured claim, we encourage you to call us right now and discuss your situation. We can tell you about your options – free of charge. After you speak with us, you can make an informed decision. We won’t pressure you one way or the other. There is no obligation.

Contact us today. Our law firm offers a one-hour free case consultation. If you can’t make it to our Vista or San Diego office, we’ll make hospital calls or we’ll meet you at your home or your office. Whatever works best for you is what works best for us. There is no obligation, and no one will pressure you. Call us today at 866-434-1577.

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