Last week a Sacramento County Jury found in favor of The Wright Law Firm’s client. The auto accident case involved a collision on a residential street and the insurance company blamed our client for the accident and his injuries. They asked the jury to award no more than $6,500. After hearing all the evidence presented by Timothy Wright, Esq., the jury awarded over 50 times the amount offered by the defense plus additional costs.
A Carmichael grandmother and housewife was injured when a portion of a ceiling fell striking her in the head. Initially she sought chiropractic care for her pain. However, as time went on, it became evident she needed neck surgery and she underwent spinal fusion. The defense initially denied liability and sought to minimize her damage recovery. Timothy Wright and his staff at The Wright Law Firm in Roseville recovered $725,000 in damages for her pain and suffering.
Traffic accidents are the leading cause of death for teens, period! In an effort to focus attention on the importance of eliminating distractions while driving, schools and safety institutions are asking teens to hang up and focus on the road. For more information and resources on this topic, see the News 10 article here.
It is always a tragedy whenever someone is injured by a distracted driver. Often the professional services of a Sacramento personal injury lawyer are immediately required. Many questions may arise and it is important that the injured parties able to focus on the healing process as opposed to the intricate legal details involved.
The Wright Law Firm Settled another personal injury auto accident case and our client received her settlement funds today. The client was thrilled to recieve her injury compensation. We were gratified when she told us we “truly” lived up to our name as personal injury lawyers. We are always pleased to learn our client’s value our personal injury auto accident services in Sacramento and Placer County.
So you’re in an auto accident in Sacramento or Placer County and the other driver is uninsured or underinsured, will you be covered? If you have uninsured/underinsured motorist protection, the answer is probably “yes.” Many auto insurance industry experts recommend choosing this option.
What is UM or UIM?
Uninsured or underinsured motorist coverage can pay for injuries to you and your passengers, and in some cases damage to your property, when there is an accident and the other driver is both legally responsible for the accident and considered “uninsured” or “underinsured.”
An uninsured driver is someone who did not have any insurance, had insurance that did not meet state-mandated minimum liability requirements, or whose insurance company denied their claim, or was not financially able to pay it. A hit-and-run driver also counts as uninsured as it relates to bodily injury.
An underinsured driver is someone who met minimum legal financial responsibility requirements, but did not have payment limits high enough to cover the damage they caused. In these cases, UM or UIM can pay you for your damages. It is important to note that uninsured and underinsured motorist protections are separate, although in many states they can or must be purchased together.
Why would you want it?
It’s usually relatively cheap to add uninsured/underinsured motorist protection to your car insurance policy, especially considering the amount of protection it offers. It could pay your medical bills, lost wages, and pain and suffering. If someone hits you or your car and is legally responsible for the damages, you won’t get any money from them if they don’t have money to give you. Especially during times when people are struggling economically, many drivers either don’t have insurance or don’t have enough. If you have UM/UIM coverage, you can get money even if the other driver can’t pay.
Underinsured motorist protection
Underinsured motorist protection pays you for damages that exceed the payment limits carried by a driver who is considered underinsured. UIM will only pay up to the limits of your policy after subtracting the amount paid by the other driver’s insurance. Both UM and UIM apply to you and any passengers in your car, and to you and others listed on your insurance policy (including family members) when in other cars.
Uninsured motorist bodily injury
Uninsured motorist bodily injury protection can help you in another way. Let’s say you’re a pedestrian. If you carry this coverage and you get hit by a car while you’re trying to cross the street, the coverage could pay your medical expenses and lost wages. That could be important, because even if you have medical payments coverage and health insurance, those still won’t pay for lost wages. You could get coverage for your lost wages by purchasing disability insurance, which many people have through their employer, but it would not cover your passengers or family members, and could disappear if you switch jobs. In addition to protecting you as a pedestrian, UM/UIM can also protect you and your family members traveling in other cars. As Nicole Mahrt of the American Insurance Association says, “You probably can’t afford to drive without it.”
Uninsured Motorist Coverage, Underinsured Motorist Coverage, and Making a Claim
If you are seriously injured in a motor vehicle accident, you will incur medical expenses. In fact, the bills you receive may be substantially more that you earn in a year or two of full-time employment. You may not be able to work and provide for your family.
As if to add insult to injury, you may learn that the careless driver who caused the accident did not have insurance. Or, you may learn that the driver only had minimal coverage. Unfortunately, even though state legislatures have made it a crime to drive without insurance and have enacted financial responsibility laws, a significant number of drivers do not carry any liability insurance.
What do you do if one of these drivers just ran into you and you are staring at $100,000 in medical bills and have lost your ability to earn a living to support yourself and your family?
Odds are that you won’t be making a claim against the person who caused the accident because most people who drive without insurance don’t have enough money to justify the time and expense of making a claim against them. Generally, people who carry minimal liability insurance do not have the personal resources to satisfy a large judgment.
Insurance companies are in business to make money. They are not charitable organizations. Uninsured motorist coverage and underinsured motorist coverage is not a gift from your insurance company. You paid a premium for this protection. Don’t be of the mind set that you are punishing your own insurance company and/or that you are in some fashion “taking advantage” of your insurance company because you need to make a claim against your uninsured motorist coverage or your underinsured motorist coverage.
Our firm can assist you with these complex issues, but only if you are adequately insured.
$375,000 – Slip & Fall
$250,000 – Car Accident onNeighborhood Street
$225,000 – Motorcycle Collision
$217,000 – Spine Injury, disputed damages
$175,000 – Eye Injury, disputed liability
$175,000 – Car Accident – Shoulder Injury
$100,000 Limits – Uninsured Motorist Limits Case
$100,000 Limits – Broadside Collision
$100,000 Limits – Motor Vehicle Collision, Rear End
$100,000 Limits – Broadside to Van
$100,000 Limits – Child Passenger in Vehicle
$100,000 Limits – Employee Injured on job by Negligent Driver
$100,000 Limits – Motorcycle Collision
$100,000 Limits – Broadside Collision
$100,000 Limits – Collision, red light broadside
$50,000 Limits – Car Accident, No Damage