Articles Posted in Underinsured Motorist

Insurance and Hit and Run Drivers

Insurance and Hit and Run Drivers

Insurance and Hit and Run Drivers

I’m Ed Smith, an Auburn auto accident attorney. Uninsured or hit and run drivers cause havoc on our roadways. Many times during the years of my Sacramento personal injury practice, I have encountered people who were struck by or whose family was struck by a hit and run driver.


The Importance of Financial Responsibility: Uninsured and Underinsured Motorists

Whether you just purchased a new car, switched insurance providers, or are wondering where to start on your coverage research, it is important to note the following:

Rancho Cordova Fatal Crash
Capital City Freeway Car Crash Injures Four

On Thursday, September 24, 2015 at approximately 7:30 p.m., a car being driven on the Capital City Freeway at El Camino Avenue struck an on-ramp metering light.  Three of the four occupants in the car were taken to an area hospital with non-life threatening injuries.  The driver had to be extricated from the vehicle by the fire department.  He suffered major injuries as a result of the crash.

The California Highway Patrol reported the northbound freeway off-ramp at El Camino was closed to traffic while emergency personnel worked to clear the accident scene.

There is a recent boom in a brand new industry — ridesharing services such as Uber and Lyft. As more and more vehicles with pink mustaches appear on the streets, more and more traffic accidents will occur in which the challenging question, “Who is financially responsible?” will be asked.

Taxis and Limousines

In traditional transport services such as taxis and limousines, there are requirements for commercial insurance policies for the transportation companies and their drivers. Even in situations where the taxi driver is considered a sub-contractor of the taxi company, there are still typically state and local requirements for large insurance policies to be in place. Essentially, if someone is injured as a the result of a motor vehicle accident caused by a negligent taxi driver, there will virtually always be a large insurance policy available to cover their injuries and property losses.accidents with ridesharing services

Sometimes there are actually advantages of lower insurance third party limits!

One of the most important factors in every injury claim, is that there is enough insurance to pay for all damages. One of the ways for people to ensure that they have enough insurance to pay for any injuries, wage loss or future damages they may suffer in an accident is to buy their own uninsured or under-insured motorist coverage.

Uninsured Motorist coverage protects the injured party if the at fault party did not have insurance.

One of the saddest circumstances I deal with frequently is interviewing a new potential client who has been severely injured thru the clear negligence of another driver, and then informing the potential client that he doesn’t need a lawyer, because the other insurance limits are so low..he can likely obtain them by himself.

When people buy auto insurance they  rely on their insurance broker to protect them. Unfortunately, many brokers fail to adequately explain each of the coverages they sell. If their client is

cost conscious they suggest that the client can save a few dollars by waiving uninsured or underinsured  motorist coverage. This is always a big mistake.

Client Reviews

  • Me and my wife; had a car accident. We were amazed how easy, professional, friendly attorney Ed Smith is along with his staff. Everybody is amazing. Thank you so much, we are very impressed!
  • Ed Smith and his office team took on a difficult personal injury case on my behalf and for the passenger in my car. Ed is a top- notch attorney. His staff couldn't have been more helpful and kind. No need to look elsewhere. I give Ed Smith my highest recommendation.
  • Ed and Robert have been taking great care of my husband and I for the past 5+ years. They are always there when you have a problem and a quick resolution! Even when the issues have nothing to do with them. They are willing to help ease the pain off your shoulders. They are as good as it gets! Thank you again for everything.
  • Very professional. Great team, staff and service all around. Mr Smith was very honest, straight forward with his advice. He gives the word "attorney" an honest reputation. I will seek his council anytime, and would recommend him at the drop of a dime.
  • I would highly recommend Ed Smith to any friends or family in need of a personal injury attorney. Ed, and his staff, are very caring on top of being very experienced in this field. The staff always keeps you informed of the status of your case and they are always easy to reach by phone.
  • Edward Smith law offices provide competent, thorough, and personable help for victims of personal injury. When you first meet the staff you know you contacted the right office. This law office treats clients like people. I recommend this office to anyone seeking representation regarding personal injury.