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Uninsured/Underinsured Motorists

Riverside Uninsured Motorist Attorney

Uninsured/Underinsured Motorist Claims

You may already be familiar with the term “uninsured motorist claim.” This type of claim involves a situation in which a driver is involved in a motor vehicle accident caused by another motorist who has no liability insurance at all.

Most people are less familiar, however, with the concept of what an underinsured motorist claim is. As the name suggests, this involves an accident where the other driver does in fact carry liability insurance, but the amount or limit of their insurance coverage is insufficient to compensate you fully for all of your injuries and damages. Therefore, that motorist is considered to be underinsured as far as all of your damages are concerned.

These claims are often referred to jointly as Uninsured/Underinsured Motorist (UM/UIM) claims. The Riverside uninsured motorist attorneys at Ryneal & Ryneal have over four decades of experience representing clients who have been injured as the result of an uninsured or underinsured motorist. If you have been injured by someone who lacks adequate auto insurance or doesn’t possess any at all, you may have an UM/UIM claim.

Get the compensation you deserve even if the driver who caused your accident doesn’t have insurance. Contact us today to learn more.

Does My Insurance Cover an Accident with an UM/UIM?

Another little-known fact is that the underinsured motorist coverage you carry with your own insurance company only comes into play if the other driver’s liability insurance limits are less than your underinsurance limits.

In other words, if the at-fault motorist’s liability coverage limits are equal to or greater than your underinsured limits, then your underinsured motorist coverage doesn’t come into play at all in your claim for damages, and you would then normally be limited to recovering the amount of the driver’s liability insurance coverage only, assuming they don’t have any personal assets you can go after as well.

If you have questions about how your auto insurance policy works and if you can receive compensation after an UM/UIM accident, we are happy to assist you during a free case evaluation.

Settlements & Verdicts

  • Verdict against a construction contractor for client who suffered severe burn injuries due to fire accident

  • Settlement against several utility companies for client who sustained severe burn injuries from a gas explosion.

  • Settlement for client who suffered permanent injuries due to car vs. big rig accident.

  • Verdict against U. S. government for minor child who suffered severe injuries due to car accident.

  • Settlement for client who sustained serious injuries due to freeway car accident.

  • Verdict for client who suffered permanent injuries sustained in auto accident.

  • Verdict for family for wrongful death of a sewer maintenance worker killed in gas explosion.

  • Verdict for minor child who sustained permanent injuries due to medical malpractice.

  • Product liability verdict for woman who suffered severe head and spinal injuries caused by defective commercial lighting fixture falling on her.

  • Settlement for client who sustained serious injuries in slip and fall accident.

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