Unfortunately, this is becoming a very common problem. A reckless driver caused a major crash. Multiple people are involved. Even though the driver was insured, it was not enough.The defendant driver only had $30,000 that had to be split amount 4 people with significant injuries and medical bills. We represented a woman who was involved in the car crash and had to work out a split with the other victims.. Put yourself in that position for a minute. You were in an accident that wasn’t your fault, and you have confirmation that the at-fault party followed California’s law regarding insurance coverage. Then you find out that California minimum insurance limits might not cover one emergency room bill.
Why Do Those Two Things Matter?
Just because you have the legally required amount of insurance doesn’t mean it will be sufficient. California requires you to have what is commonly referred to as 15/30 in liability insurance. This breaks down to $15,000 for each person who sustains bodily injuries (including death). That is what the “15” references. The “30” connects to our opening story. When multiple people are involved in an accident, the coverage maxes out at $30,000.
Although the insurance accepted liability, they were only obligated to pay $30,000, which got divided among all the injured parties. Insurance companies offer policies that go well beyond the minimum of 15/30 but require drivers to pay higher premiums. If they opt for the lowest amount, you can end up coming out of pocket to pay for your medical expenses, despite the fact you were insured and did not cause the accident.
Protect Yourself With Underinsured Motorist Coverage
The client we represented had this type of insurance and was able to recover more money after we settled the case through underinsured motorist covered. This is one of the most important insurance coverages you can get in California because of the high cost of medical care and the lost minimum requirements.
This is something you need to consider when investing in an insurance policy. Selecting the minimum for liability equates to being limited to the same amount for underinsured motorist coverage.
You Aren’t Alone After An Accident
If you have suffered a car accident, you not only likely deserve compensation, but we are in a position to help you get it. Being in one may prevent you from working and spending valuable time with your family. Additionally, you could face mounting medical bills. Allow us to get you the money you need when you need it the most. Contact Howell, LLP, today to set up your free consultation.
