Uninsured/Underinsured Car Accidents in Burbank

Every driver in California is required to have a minimum amount of auto insurance, and there are serious consequences for driving without it. However, these consequences do little to help cover the losses of car accident victims with valid claims. Furthermore, the minimum amount of coverage that many people have is often insufficient to cover the costs of serious injuries.

There is good news, however. The law and California’s auto insurance system recognize that many drivers are underinsured or completely uninsured. They provide options for injured crash victims to still recover for their losses despite irresponsible drivers. At Block LLP, we can help you explore your options after uninsured/underinsured car accidents in Burbank.

California’s Uninsured Motorist Coverage Requirements

California requires all drivers to have liability insurance to cover injuries or damage they cause. Driving without it is illegal. Uninsured/underinsured motorist coverage is optional, but it protects you if another driver in Burbank causes an accident and has no insurance, doesn’t have enough insurance, or causes a hit-and-run.

Minimum coverage limits in California include:

$30,000 per person for injury or death
$60,000 per accident for multiple injuries
$15,000 for property damage

These minimums are low, though people have the option to choose higher limits to stay properly protected.

Underinsured vs Uninsured Drivers

Not every driver on the road has sufficient insurance to cover the damage they cause, which is where uninsured and underinsured motorist issues arise.

Uninsured Drivers

Uninsured drivers don’t have any car insurance. That’s illegal in California, but about 16 percent of drivers still fail to have it. If they hit you, you have to rely on your own insurance to cover costs.

Underinsured Drivers

Underinsured drivers have some insurance, but not enough. For example, if they cause $100,000 in damages but only have $25,000 coverage, they’re underinsured for that accident.

Both situations can leave you stuck paying bills. That’s why uninsured/underinsured motorist coverage is so important; it can help you get back on your feet after a crash in Burbank.

How UM/UIM Claims Work After Car Accidents

UM/UIM claims are filed with your own insurance, not the other driver’s. Your insurer will check out liability, calculate damages, and sometimes push back on claims. To file, you need to show that the other driver was uninsured or underinsured and that they caused the accident. A Burbank UM/UIM car accident lawyer can make the process much easier and less stressful.

Why Your UM/UIM Claim Might Be Denied or Delayed

Insurance companies don’t like paying uninsured/underinsured motorist claims. They’re on the hook for everything, so they fight harder than usual.

They may dispute fault, downplay your injuries, deny coverage, or claim the other driver had insurance. Some push for quick settlements before you fully understand your injuries. Others delay claims, hoping you’ll accept a low offer. A UM/UIM car accident attorney in Burbank can help you fight these unfair tactics.

Steps to Take After an Uninsured Driver Accident

Being involved in a crash with an uninsured or underinsured driver in Burbank is stressful. Here’s what to do to protect yourself and your claim:

Get immediate medical care to have your injuries diagnosed
Report the accident to the authorities as soon as possible
Record everything that might be evidence in your case
Call a local car accident attorney

Acting quickly can make a big difference in protecting your rights and getting the recovery you need. Don’t wait; getting legal help early puts you in the strongest position.

Reach Out to an Uninsured/Underinsured Car Accident Attorney in Burbank

Accidents with uninsured drivers are stressful. Your own insurance might not make it easy. At Block LLP, we handle claims involving uninsured/underinsured car accidents in Burbank. We know what proof you need and how to fight for your rights. In California, you usually have two years to file a personal injury claim, so acting fast matters.