Uninsured and Underinsured Motorist Accident

California UMI Insurance Claims

It is important that you carry enough automobile insurance to cover your expenses following a car accident with an uninsured or underinsured motorist. Many drivers in California fail to carry insurance, or they carry the legal minimum ($15,000 per person, $30,000 per accident, and $5,000 per property damage claim). When you are in an accident with a driver with minimal insurance, or no insurance whatsoever, you will have to rely on your uninsured/underinsured motorist coverage (UMI).

When an underinsured or uninsured motorist injures you, you will have to file an uninsured motorist insurance, or UMI, claim with your own insurance company. The Law Office of John A. Meaden, III files UMI claims for clients and represents them during negotiations and litigation with their insurance carrier. Located in Walnut Creek, California, our firm helps clients get the compensation they deserve. To learn more about your UMI claim, contact us for a free initial consultation with an experienced personal injury lawyer.

Many people fail to carry adequate automobile insurance to cover them in an accident with an uninsured/underinsured motorist. With the high cost of medical care, it is easy to see how quickly medical expenses will exceed your policy limits. When another driver's insurance fails to cover your out-of-pocket expenses, your underinsured/uninsured motorist coverage should cover the difference.

Umbrella insurance is ideal for people whose assets exceed their liability insurance limits. You can get an additional $1 million of insurance coverage when you purchase an umbrella insurance policy. This helps you in an accident with an uninsured or underinsured motorist. Many times your expenses exceed even your UMI policy limits. This is when you should have an umbrella insurance policy.

To learn more about filing an uninsured/underinsured motorist claim, contact us at The Law Office of John A. Meaden, III. Set up a free initial consultation with an attorney. We represent clients throughout California, including people in Martinez, Danville, Pleasant Hill, and Alamo.