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Insurance Laws & Uninsured Drivers

Insurance Laws & Uninsured Drivers


San Luis Obispo Car Accident Attorneys Fighting for Victims of Accidents Involving Uninsured Drivers

If you are the victim of a car accident with an uninsured or underinsured motorist, it can be challenging to receive the compensation you require to recover from your injuries. If a negligent driver does not have an auto insurance policy or if the policy does not cover your property and medical damages, you need to work with premiere San Luis Obispo car accident attorneys who will help you fight for the damages you deserve. Earl E. Conaway, III, A Professional Law Corporation, serves the greater San Luis Obispo area and has more than a decade of experience handling these challenging claims. 

Uninsured and Underinsured Motorist Claims in California

California law requires motorists to carry valid liability insurance for any vehicles that are used to travel area roadways. This type of coverage pays for both bodily injuries and property damage for the party not at fault in the accident. 

According to the Insurance Journal and the Insurance Research Council, one in eight motorists is uninsured, and unfortunately, this number is only increasing. When an insured driver is the party at fault in a car accident, the insured driver’s insurance company is often responsible for paying medical bills that result from the physical damage and trauma that victims sustain. Additionally, an underinsured motorist may not have an insurance policy with sufficient limits to cover the costs of all the damage.

Even though California requires motorists to carry adequate vehicle insurance, some drivers still choose to drive without following these laws. That is why it is important to work with knowledgeable San Luis Obispo car accident lawyers as soon as possible after being involved in an accident with an uninsured or underinsured driver.

California currently mandates the following minimum insurance requirements for all private passenger vehicles:

  • $5,000 for property damage
  • $15,000 for injuries/death to one person
  • $30,000 for injuries/death to more than one person

While many drivers elect to purchase inexpensive policies to help lower their premiums, the upfront cost savings can be costly in the long run. If your accident exceeds the above minimum state requirements for insurance, it can be challenging to obtain enough money to cover the damages you have sustained.

The reason why many insurance company policies also have coverage for uninsured or underinsured motorists is to help offset some of these costs. However, you will likely need skilled San Luis Obispo car accident lawyers to advocate on your behalf so you receive the compensation you deserve.

If you do not have a personal insurance policy that covers you in these types of events, it is possible to file a claim against the negligent driver’s insurance company or sue them directly in a personal injury lawsuit

Knowledgeable San Luis Obispo Car Accident Lawyers Can Help. Contact the Firm Today.

Contact Earl E. Conaway, III, A Professional Law Corporation, for recommendations and legal guidance about your specific case. A dedicated attorney will work on your behalf to successfully resolve your legal matters. Earl E. Conaway, III understands the details surrounding our state’s laws. Serving the San Luis Obispo area, our office has a convenient downtown location, and if you are unable to visit our physical location, we can arrange to meet with you in your home or the hospital. Call us today to schedule a free consultation. We never charge for our services unless you receive compensation for your claim. San Luis Obispo car accident lawyers can help you with your claim. Don’t try to handle things on your own -- let Earl E. Conaway, III help with your case.

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Posted By: Amy Guing

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