September 29, 2014 | At the Firm , Audio , Tips & Information Social Share
CCC on The Groove: The importance of having uninsured motorist coverage
What should you do when you’re in a car accident, the other driver is at fault, and he or she has little or no auto insurance?
Knowing what to do when you are in a auto accident can be difficult, especially with complex insurance policies involved. If the driver at fault does not have insurance, or very little, you may have a difficult time obtaining compensation for damages suffered in the accident.
That’s why it’s important for you to purchase an insurance policy that includes coverage for “uninsured motorists” and “under-insured motorists.”
Bakersfield car accident attorney Matt Clark recently appeared on The Groove 99.3 (KKBB) with Sheri Ortiz to discuss the issue, and give advice to listeners on insurance policies.
You can listen to the two segments here:
As personal injury lawyer at Chain | Cohn | Clark, Clark represents a lot of people who are involved in auto accidents. Many times, he receives calls from people who have been injured by someone to didn’t have any insurance at the time of the accident.
Due to the accident, the injured client has had to miss work and has medical bills to pay, for example.
“What do you do to protect yourself?” Clark asked listeners on The Groove. “When you buy insurance, one of the cheapest things you can buy is uninsured motorist coverage. You want to have limits that can cover you in case someone hits you.”
Clark recommends motorist purchase a $100,000 over $300,000 auto insurance policy at a minimum to protect yourself. The policy allows you to collect from your insurance company to recoup your damages that exceed the responsible party’s limits.
“It’s not expensive to get that coverage and it protects you,” Clark said.
The uninsured and under-insured policies also cover you and your family in the case of an accident while walking, running, or riding a bike — you don’t have to be behind the wheel to take advantage of the policies, Clark said.
It’s important to note, Clark said, that many times, drivers have to specifically ask their insurance policy companies that uninsured and under-insured be added to policies.
While on the air, Clark and Ortiz received a call from a woman who was involved and injured in an auto accident, after the other driver ran a red light, she said. She took advantage of her uninsured motorist policy, which helped her out tremendously, she said.
“It’s definitely important,” Amanda said on the show. “I had uninsured motorist, and I will never get insurance without uninsured motorist ever again. Without having uninsured motorist, you’re going to be stuck.”
Added Clark: “It’s my job as a lawyer to make sure that my clients are fairly compensated, not only for the injuries they have right now, but for the injuries they may have in the future.”
Filing an uninsured motorist claim can often include complex legal issues that require the assistance of a lawyer experienced in dealing with insurance companies. The lawyers at Chain | Cohn | Clark can help. Call for a free consultation at 661-323-4000, or visit the personal injury and workers compensation* website Chainlaw.com.
To learn more about uninsured motorist policies and their importance, visit the Frequently Asked Questions page on chainlaw.com.
*NOTICE: Making a false or fraudulent Workers’ Compensation claim is a felony subject to up to 5 years in a prison or a fine of up to $150,000 or double the values of the fraud, whichever is greater, or by both imprisonment and fine.