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Car accidents are traumatic, exhausting, damaging, and just an overall nuisance. If you are able to walk away from an accident consider yourself blessed. Too many accidents today result in catastrophic injury or death. If you are suffering from moderate injuries then count your blessings, but still sue the negligent driver. Our San Francisco Uninsured Motorist Attorneys at Allegiance Law understand the emotional and financial havoc a car accident can involve. We have worked with all kinds of clients whose stories revolve around pain and suffering. The last thing you want to hear is that the person at fault was uninsured. However, don’t fall into a pit of despair. With a good attorney by your side, we can make sure that you are still getting the financial help that you need during this trying time.

Are People Still Driving Without Insurance?

Unfortunately, yes people are still choosing to drive without insurance. Around 13% of our nation do not have insurance. The state with the highest uninsured motorist is Florida at 26.7%. Main has the lowest number of uninsured motorists at 4.5%. California is in 12th with 15% uninsured motorist. Given the number of people that live in our state, 15% is a lot. A way in which our state incentives people to get insurance is our No Pay, No Pay law.

The No Pay, No Play law prevents drivers who are uninsured from being able to sue negligent drivers for noneconomic damages like pain and suffering. However, there is no limit on compensation for economic damages such as medical bills or property damage. The cap for noneconomic damages is $250,000. If you are driving without insurance and are not at fault then you are missing the opportunity to get up to $250,000. If you are a victim of an uninsured motorist there are different options for you.

  1. Uninsured motorist cover
  2. Underinsured motorist cover

Each option is available to you when you sign for insurance. If you opt out of such insurance then you sign a waiver stating that you do not need those options. Both uninsured motorist cover and underinsured motorist cover will compensate you for medical bills and damages. Uninsured motorist cover will compensate for everything. Underinsured motorist cover will assess what the fault driver can cover and then help to cover the difference. These options are important to have and can help you over the hurdle of getting injured by an uninsured motorist.

What To Do

If you or someone you love has been injured during a car accident, the best thing you can do it hire an attorney who knows how to navigate the insurance system. Our San Francisco Uninsured Motorist Attorneys know that at the end of the day insurance companies are worried more about their bottom line than you. Let us fight for just compensation regardless if the at-fault driver is insured or not. Call 415-404-6395 or click here to start a conversation with our professional attorneys at Allegiance Law in San Francisco today.

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