Being hit by an uninsured or underinsured driver in San Diego can complicate an already stressful situation. On top of injuries and vehicle damage, you may be left wondering how to pay medical bills or make up for lost income, especially when the at-fault driver lacks adequate coverage.
At CaseyGerry, we understand how difficult it can be to recover after a crash involving an uninsured motorist. Our team can help you understand your legal rights and guide you through the complex claims process.
The law requires all drivers to carry auto liability insurance; however, not everyone complies with this requirement. Even when drivers do carry insurance, their policy limits may fall short of covering the full cost of a serious injury. That is where uninsured and underinsured motorist coverage comes in. This insurance type steps in when the at-fault driver’s coverage is insufficient or non-existent.
A person injured in a collision involving an uninsured driver in San Diego could turn to their own uninsured and underinsured policy to recover damages for medical expenses, lost wages, and other losses. However, these claims can be more complicated than they appear. Insurers may dispute your injuries, argue about liability, or offer settlements that fall short of your actual losses.
Working with an experienced attorney allows you to identify all potential avenues of recovery and respond strategically to insurance pushback.
Time matters after an uninsured or underinsured motor vehicle accident in San Diego. According to the California Code of Civil Procedure § 335.1, injury victims typically have two years from the date of the crash to file a personal injury lawsuit. If you are pursuing compensation through your own uninsured/underinsured coverage, your policy may have even stricter deadlines for notifying the insurer and submitting a claim.
Documentation is essential. Medical records, crash reports, witness statements, and photographs of the scene can all help support your version of events. While it may feel overwhelming to gather this information on your own, an attorney can help collect and organize this documentation on your behalf, easing the burden of the claims process. They may also negotiate directly with the insurance company, so you do not have to navigate the process alone.
Accidents involving uninsured or underinsured drivers can lead to a wide range of damages. From broken bones and soft tissue injuries to long-term trauma and missed work, the financial and emotional toll can be significant. Depending on the circumstances, a civil case may pursue compensation for:
In some situations, additional parties may also be legally responsible for your losses. For example, if poor roadway conditions or a defective vehicle component contributed to the crash, a government entity or manufacturer might share liability.
A knowledgeable car crash lawyer in San Diego can help assess the full scope of your losses and guide you toward the most appropriate legal path forward.
If you were injured in an uninsured/underinsured car accident in San Diego, you do not have to face the aftermath alone. An experienced attorney can help you evaluate your options, avoid common legal pitfalls, and pursue compensation that reflects the full extent of your injuries and losses.
Since 1947, CaseyGerry has built a reputation for handling complex injury cases with professionalism and care. Our firm brings decades of experience, investigative resources, and a client-first approach to every case we take on. If you are ready to take the next step, call us today to speak with a member of our experienced legal team.
