Orange CA Accident Lawyer Explains Uninsured Motorist Claim Cases

Orange, California -

Orange, California based Napolin Accident Injury Lawyer Orange County is reaching out to the wider community to explain uninsured motorists claims from a legal perspective. The law firm, which has several offices around California, helps their clients with a variety of personal injury cases. More information about their services can be found at the following link: Personal Injury Lawyer Orange CA.

Alexander D. Napolin, trial lawyer and representative for Napolin Accident Injury Lawyer Orange County, says, “A 2017 study by the Insurance Research Council found that 13% of motorists—that is, 1 in 8 motorists—are uninsured. In California alone, around 15% of motorists are uninsured, giving our state the dubious honor of being in the Top 15 states with uninsured motorists. That’s not good. In my time as an accident and injury lawyer, I’ve seen many uninsured motorist claims.”

According to Napolin Accident Injury Lawyer Orange County, California law requires that all drivers have insurance for their vehicles. The legal minimum required by the law is $15,000 per person and $30,000 per accident. Some people choose insurance plans that cover a lot more than the minimum, which the law firm says is a practice that should be encouraged. However, there are also quite a large number of people who are either underinsured or not insured at all. Although this is illegal, there are nonetheless many California motorists driving without insurance. As the law firm explains, this is what leads to the necessity for Uninsured Motorist coverage.

Uninsured Motorist coverage exists to protect lawful citizens in case of an accident with an uninsured motorist. Normally, the usual procedure following an accident is for the parties involved to exchange information, including insurance details. However, if the party at fault does not have insurance, it could be for three different reasons. The first is that they have no money to cover their insurance, which means they will not have money to cover the damages incurred in the accident. The second reason could be that they do not have legal status in California. The third reason is that both of these situations apply to them: they do not have either legal status or the funds to cover damages. In such cases, the Uninsured Motorist coverage from the other driver’s own insurance will cover their damages. More information about Uninsured Motorist Claims can be found at the following link: South California Motor Vehicle Accident Attorney.

Napolin says, “There isn’t much of a difference between uninsured motorist claims and any other claims. The only difference lies in the settlement procedures. Whereas in most other claims, your compensation will come from the other party’s insurance; in the case of an uninsured motorist claim, your compensation award comes from your insurance. This means that, if you disagree with the settlement, you won’t be able to file a lawsuit. However, that does not mean that you are stuck with whatever amount your insurer decides. That’s where your lawyers come in, as there are several available avenues for further negotiation.”

“Before you file any uninsured motorist claims, make sure that you are very familiar with your insurance policies,” advises Napolin. “Sometimes, you’ll find that your insurance company might have strict deadlines for uninsured motorist claims. In other cases, the Uninsured Motorist claims process might be wildly different from the process for any other claims, which means that you should immediately contact your insurance company as soon as you can if you are in an accident with an uninsured party and they are at fault.”

Napolin continues, “Whatever the case, the wise thing to do in such a situation would be to get in touch with a reliable lawyer who has experience with uninsured motorist claims. It doesn’t need to be said, but these sort of cases can get very messy and difficult. If you want to assure you that you get the most optimal outcome, you’re definitely going to need legal guidance. A personal injury attorney can help you get the medical treatment you need, organize your documents and facts and negotiate on your behalf for reasonable compensation.”

Those who want to learn more about Napolin Accident Injury Lawyer Orange County and the various services they provide can find more information on the law firm’s website. Additionally, the firm encourages interested parties to get in touch with Alexander D. Napolin directly via email, phone or, alternatively, the contact form on their website. In addition to their website, Napolin Accident Injury Lawyer Orange County maintains a presence on Facebook where they post frequent updates, share general legal advice and interact with the community. More information about the Napolin Accident Injury Lawyer Orange County can also be found at the following link: Uninsured Motorist Claim Auto Accident Lawyer.