San Diego Accident Attorney Speaks Out About Vehicle Accidents

San Diego Lawyer Marc Mabile stays on the leading edge of  accident law news to bring you tips that may affect your life regardless of where you are around the world. Here you can learn about Marc’s law practice areas, law alerts, legal resources and settlements or if you prefer, you can contact us at 619-702-2600 or Skype Marc for video conferencing.

Car accidents may be prevented with defensive driving that allows you to anticipate what the next person will do. Yet, car accidents may be unavoidable due to other drivers, defective car parts, and road risks that may harm car owners, truckers, motorcyclists,  bikers, their families, and others in the area. While we may learn everything to protect ourselves on the road, we may not know every way we can protect ourselves if an accident occurs- namely, options for insurance.

Car insurance, truck insurance, boat insurance or any other kind of insurance  may not offer adequate coverage should you be faced with an accident. Over 25% of drivers on the road in many states do not possess uninsured or under-insured drivers insurance. This means that there are many people who drive without insurance or do not have policies limits that allow for adequate insurance coverage. Though it may seem that the risk is rare, in reality these accidents happen!

Uninsured or Under Insured Driver Insurance

There is a special clause in insurance policies that is able to provide for uninsured or under-insured motorists coverage when purchased with your insurance company. This type of coverage will allow for cost coverage associated with injuries to the driver, passengers and property damage if the other uninsured or under-insured driver is at fault and legally responsible.

The definition of an uninsured driver is by either 1) no auto insurance, 2) failure to meet state-mandated minimum liability requirements 3) Denied insurance coverage 4)  insurance lapse due to financial issues or neglect 5) Hit-and-run accident involving bodily injury.

In a car accident where the fault lies with the un or under-insured driver, the insured driver’s special clause policy can pay for or offset costs for any medical or property damages incurred. Your insurance representative is the best person to consult to purchase  this type of policy. However, if you have been injured, your first call should be to an accident attorney.