Uninsured & Underinsured Motorist (UM/UIM) Claims
Injured in an accident with an uninsured or underinsured motorist? Fight back! Call 916-714-7672 today.
Uninsured Motorist: Accident Compensation When The Negligent Driver Isn't Covered
The most dangerous drivers often carry the minimum amount of insurance required by law — or no insurance at all. This is not welcome news when you are facing medical bills, lost time from work, a wrecked vehicle and possibly permanent harm from an accident.
The good news is that your own insurance policy probably contains uninsured motorist/underinsured motorist (UM/UIM) coverage. However, the average policyholder will have difficulty collecting full compensation without legal help. Guenard & Bozarth has years of experience with uninsured motorist accident claims. We won’t let the insurance company deny, delay or downplay your legitimate claim for damages.
Understanding UM And UIM Coverage
California law requires every driver to carry liability insurance for bodily injury to others. A disturbing percentage of Californians are driving around without any insurance. And many drivers opt for the minimum liability coverage — $15,000 per individual (to a maximum of $30,000 to cover all victims), plus $5,000 in property damage. In a serious auto accident, hospital care, lost wages and other damages can far exceed this coverage.
Your own UM/UIM policy can be invoked:
- If the other driver is not insured
- If your losses exceed the other driver’s policy limits
- In a hit-and-run situation when the other driver is not identified
Experienced Attorneys Who Get Results
Our lawyers have handled motor vehicle accidents in Northern California for more than 25 years, with offices in Sacramento and Elk Grove. If you were involved in an accident with an uninsured driver or the at-fault driver does not have enough coverage to go around, call Guenard & Bozarth for a free legal consultation or contact us online. We can handle your case from the beginning or intervene if you are having problems with your UM/UIM claim.
Vehicle Accidents
INJURY PRACTICE AREAS
VEHICLE ACCIDENTS
We will promptly investigate your car, motorcycle or truck crash to pursue maximum damages.
INJURIES ON PROPERTY
Wrongful Death
PERSONAL INJURY
We fight back when legitimate claims are unfairly denied by insurance companies.
INSURANCE BAD FAITH
Bad faith litigation is becoming more common as the insurance industry continues to engage in dishonest practices that trample the rights of policyholders.
INSURANCE COMPANIES KNOW US BECAUSE THEY’VE PAID OUR CLIENTS OVER $130 MILLION DOLLARS.
$2.9
MILLION
CAR ACCIDENT INJURY
Guenard & Bozarth llp obtained a $2,962,903 jury verdict in the Sacramento County Superior Court for plaintiff David Schoonover, who suffered head and neck injuries and fractures in a head-on accident on Roseville Road in Roseville on July 22, 2012
$300
THOUSAND
HAIR SALON INJURY
Guenard & Bozarth LLP recently settled a case for $300,000 involving a hair weave that went terribly wrong. Our client was a young lady, and aspiring model, who experienced pressure necrosis from a tight weave and it changed her life.
$500
THOUSAND
SLIP & FALL INJURY
Guenard & Bozarth LLP recently settled a slip and fall case for $500,000 a couple weeks before trial. The client slipped and fell on a wet piece of cardboard in a grocery store and sustained a serious shoulder injury that required surgery.
$300
THOUSAND
NEGLIGENCE INJURY
On February 13, 2013 Maricela, a Certified Nursing Assistant presented to Santa Barbara Cottage Hospital Emergency Room with complaint of neck and back pain. She was diagnosed with a neck strain and was given Ibuprofen and instructed to return if her symptoms did not subside.
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