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.