San Diego Uninsured Motorist Accident Lawyers
We’ll tell you if you have a case or not, call (888) 488-1391 — We’re here 24 hours a day.
Our San Diego Uninsured Motorist Accident Lawyers Advocate For Client Support After Injury
We understand the devastating impact an accident with an uninsured driver can have on your life. The emotional and financial stress may feel overwhelming, but you don’t have to face the legal process alone. Our dedicated San Diego uninsured motorist accident lawyers are here to help you navigate this difficult time and assist you in seeking compensation for medical expenses, lost income, and other damages.
Getting into an accident is already a traumatic experience, but it can be even more challenging when the at-fault driver lacks insurance. Without coverage, victims are often left to deal with the consequences of the collision on their own.
Still, you have options even if the at-fault driver lacks insurance. Our legal team will explore alternative insurance solutions, such as uninsured or underinsured motorist coverage, working diligently to pursue a settlement or favorable verdict for your losses. We offer a free case review to discuss your rights and the appropriate legal options for you. Call us at (888) 488-1391 or complete our “Do I Have A Case?” form here for a free initial consultation.
Why Hire Our San Diego Uninsured Motorist Accident Lawyers
Our San Diego uninsured motorist accident lawyers recognize the challenges you face when an uninsured motorist hits you. Here are some of the reasons to work with our attorneys:
- Proven Skills and Knowledge — Our attorneys possess extensive experience in personal injury law and local regulations, having handled numerous accident cases. They have built this focus from decades of combined experience.
- Contingency Fee Policy — Financial concerns should never prevent you from getting quality legal representation. That’s why we work on a contingency fee basis. You pay nothing up front and owe us nothing unless we win your case. Case-related fees still may be covered by the client regardless of the case outcome.
- Client-Centric Approach — We provide personalized legal solutions tailored to your unique situation, prioritizing your healing and financial well-being. We take the time to understand your needs.
- Complete Transparency — We believe in clear, honest communication. You’ll have updated information on where your case stands, and you’ll have direct access to your attorney whenever you need answers or guidance.
Our client was driving with his wife and son on a two-lane highway when a drunk driver crossed the double yellow lines, causing a head-on collision that claimed the life of a loving wife and mother.– ARASH KHORSANDI
How Our Lawyers Can Help You With An Uninsured Motorist Accident Claim
Our San Diego uninsured motorist accident attorneys understand the stress and frustration that come with being involved in an accident with an uninsured driver. We will work to assist you in every step of the legal process. Here’s how we can help you:
- Investigate Your Case Thoroughly — We will assess your situation, explain your rights, and highlight the California laws that apply to your claim. From there, we’ll guide you on which suitable steps to take forward.
- Identify the Cause of the Incident — Our team will investigate to uncover the factors that contributed to the incident. We will collect evidence to establish fault and liability.
- Establish the Extent of Damages and Calculate Compensation — We will evaluate all your losses to get them fully accounted for. We strive to pursue a settlement that may compensate for the losses you have suffered.
- File and Negotiate Your Claim — To pursue the compensation you may qualify for, we will also firmly negotiate with insurers. We’re prepared to file a lawsuit if negotiations fail to progress.
Uninsured motorist accidents often leave victims facing significant hardships, but we’re here to support you through this challenging time. We’ll work diligently to protect your rights and pursue the compensation that might be available to you. Our team will begin assessing your case after you complete this contact form. Based on the details, we can present an appropriate course of action for your situation. Let our team support you as you move forward.
Uninsured Motorist Accident Cases We’ve Handled
As one of the established personal injury law firms in California, we have represented numerous victims in and out of court. We have also handled uninsured motorist accident cases over the years. Every case varies, and results depend on specific circumstances.
We know that accidents involving uninsured drivers can leave victims feeling hopeless, but you are not alone. Our San Diego uninsured motorist accident attorneys are ready to assist victims in pursuing sufficient compensation. Contact us at (888) 488-1391 to schedule your free initial consultation.
Auto Insurance Requirements For Drivers In California
California law requires all motorists to carry a minimum level of auto insurance to enable them to cover medical expenses and other damages in the event of an accident. As of January 2025, California has increased its minimum policy limits for insurance. Here’s what the new minimum coverage includes:
- $30,000 in coverage for injuries or death of one individual.
- $60,000 in total coverage for two or more victims.
- $15,000 in coverage for damage to another person’s vehicle or property.
In addition to the state-required liability insurance, many California drivers choose to carry supplemental coverage. Some individuals get extra coverage through their auto insurance, while others may qualify under a family member’s policy.
Our uninsured motorist accident lawyers in San Diego can help you understand the coverages that apply to your situation. To discuss your case further, feel free to call us at (888) 488-1391.
Options For Pursuing Compensation Following An Accident With An Uninsured Driver In San Diego
Uninsured motorist accidents leave victims in a difficult position, as they may struggle to seek compensation for their medical bills, vehicle repairs, and other damages. Unfortunately, these cases are more common than you might think. An Insurance Research Council (IRC) study found that in 2023, 15.4% of drivers, or around one in seven motorists, were uninsured.
Finding out that the at-fault driver does not have insurance to cover your medical bills and other losses is devastating. However, this does not mean you cannot seek fair compensation. You can consult with our San Diego uninsured motorist accident lawyers to explore all available legal avenues for reclaiming losses, including:
- Collision Coverage — This type of coverage can be added to your policy to protect against physical damage. It pays for damage to your vehicle if you’re involved in a crash with another vehicle or an object.
- Uninsured/Underinsured Motorist (UM/UIM) Coverage — UM/UIM coverage protects you if the at-fault driver has no insurance or lacks sufficient coverage. It can be used to cover medical expenses, lost wages, and pain and suffering.
- Civil Action Against the at-Fault Party — While it is unlikely that an uninsured motorist can pay through personal wealth or assets, this is another option you can explore. They may, however, pay through a payment plan, depending on their financial situation and how your uninsured motorist accident lawyer handles the case.
- Third-Party Liabilities — If another party’s negligence contributed to the accident, you may be able to seek compensation from them. Potential third-party claims may involve:
- Auto Manufacturers — If a defective vehicle part contributed to the crash.
- Government Entities — If poor road maintenance, faulty traffic signals, or hazardous conditions caused the collision.
- Another Driver — If a third driver’s actions contributed to the accident.
A Closer Look At Uninsured Motorist Coverage
It is important to know that UM or UIM coverage is not mandatory in California. You can purchase these coverage options in addition to your existing auto insurance policy. Insurance companies, however, must offer this to drivers. If the driver opts out of this option, they will be required to sign a waiver.
California’s minimum UM/UIM coverage limit is $30,000 per person and $60,000 per accident unless a driver opts for higher limits. Depending on the policy selected, UM/UIM coverage can exceed these amounts, providing additional financial protection in the event of an accident involving an uninsured or underinsured driver. If a family member who is not covered under a separate policy sustains injuries in an accident involving an uninsured or underinsured driver, your insurance policy may extend coverage.
Our uninsured motorist accident attorneys in San Diego will thoroughly examine your case. We will explore which recovery option is suitable for your specific situation.
Hurt In
A Car Accident?
How Our Lawyers Prove Fault In Uninsured Motorist Accidents
To identify whether an uninsured motorist is potentially accountable for an accident, our San Diego lawyers must establish that their negligence caused your injuries and losses. We can help you prove the following elements of negligence:
- Duty of Care — The at-fault driver had a legal responsibility to take necessary precautions and avoid reckless behavior, thereby preventing harm.
- Breach of Duty — The at-fault driver violated this legal duty.
- Causation — Upon breaching this duty, the at-fault driver caused the accident in which you sustained injuries.
- Damages — Due to the accident caused by the at-fault driver, you suffered losses.
You can prove negligence with key pieces of evidence from your accident. Our San Diego uninsured motorist accident lawyers can gather and preserve the following types of evidence on your behalf:
- Medical records after the accident.
- Reports from the police or other local authorities.
- Photo/video evidence from the accident scene.
- Official accounts from eyewitnesses.
- Physical evidence from the damaged vehicle.
- Documentation of lost income.
In addition to proving negligence, another way to establish fault is by assessing whether there was negligence per se, wherein the driver might have violated a traffic law that directly caused the accident. For example, running a red light or speeding can be strong indicators of fault.
Simply driving without insurance does not automatically establish fault. It is illegal in California, but it does not prove the driver caused the accident. To qualify for an uninsured motorist claim, you must prove both that the at-fault driver caused the accident and that they lacked insurance. You must also demonstrate that the accident resulted in damages. Our San Diego uninsured motorist accident attorneys are here to guide you throughout the entire process.
Damages You Can Pursue After An Uninsured Motorist Accident
The compensation you may pursue in an uninsured motorist claim depends on several factors, with the severity of your injuries being the most significant. More serious injuries often result in higher medical costs and longer healing periods, which can impact the value of your claim. Here are some of the injuries victims commonly sustain:
- Bruises, cuts, or lacerations
- Spinal cord injuries
- Fractured bones
- Knee injuries
- Chest injuries
- Traumatic brain injuries
- Whiplash
- Eye injuries
- Neck and back injuries
- Crush injuries
- Traumatic amputations
- Burn injuries
You may be entitled to the following damages:
- Medical expenses (hospital bills, surgeries, doctor visits).
- Rehabilitation and physical therapy costs.
- Lost wages and loss of future earning capacity.
- Property damage (repairs or replacement).
- Transportation costs related to medical care.
- Assistive devices (e.g., prosthetics, crutches, wheelchairs).
- Pain and suffering.
- Trauma and psychological harm (e.g., PTSD).
- Loss of consortium, companionship, or support.
Our San Diego uninsured motorist accident lawyers will explore other potential avenues for pursuing compensation for your losses, including seeking third-party liability. If necessary, we are prepared to take legal action and file a lawsuit against the at-fault driver.
What To Do After An Accident With An Uninsured Driver In San Diego
If you sustained damages in an accident with an uninsured driver in San Diego, it is beneficial to be aware of the necessary steps to take afterward. Our San Diego uninsured motorist accident attorneys recommend that you do the following:
- Call 911 — Ask for emergency assistance. Providing clear information allows the operator to respond quickly and dispatch the right services.
- Report to the Local Authorities — Report the accident to the local police or the California Highway Patrol. The police report can also serve as key evidence for your claim.
- Seek Immediate Medical Attention — Get fully assessed by a physician to determine if you sustained underlying injuries from the accident. Prioritize your health above all else. Your medical records after the accident can also further strengthen your claim.
- Notify Your Insurance Company — Inform your insurance provider shortly after the accident. By informing them, you can access your benefits if you need them, especially if you have UM coverage.
- Call Our San Diego Uninsured Motorist Accident Lawyers — Your lawyer can help you pursue compensation for damages through other channels. Contact Arash Law at (888) 488-1391; we are available 24/7 to answer your questions and address your concerns.
You don’t have to suffer alone after an accident with an uninsured driver. The lawyers at our San Diego injury law firm can guide you through the claims process in these situations.
What initially seemed like a routine rear-end collision, commonly known as a “fender bender,” turned into a significant settlement with high maximum limits for a client who suffered lower back disc injuries. The case was resolved just two weeks before the scheduled trial commencement.– BRIAN BEECHER
Deadline For Filing An Uninsured Motorist Claim
If you are considering filing an uninsured motorist (UM) claim, review your insurance policy and act quickly. Filing your claim without delay may protect your right to compensation and help meet any policy-specific deadlines set by your insurer.
If you decide to file a lawsuit against the at-fault party, California law gives you two years from the accident date to do so. There may be certain exceptions in your situation that San Diego personal injury attorneys can take into consideration. For instance, if your injuries were not obvious, the deadline may begin from the date of discovery.
The earlier you act, the fewer setbacks you will encounter during the claims process. Our San Diego uninsured motorist accident lawyers are here to protect your rights during this challenging time. If you’re unsure whether you have a valid claim, simply fill out our “Do I Have A Case?” form online. We will review your claim and evaluate whether it has merit to pursue compensation.
Questions Clients Frequently Ask Our San Diego Uninsured Motorist Accident Attorneys (FAQs)
At Arash Law, understanding your legal options is crucial after an uninsured motorist accident. We’ve addressed some of the most frequently asked questions from our clients. If you have a specific question about your case, feel free to call us at (888) 488-1391 for a free, no-obligation consultation.
How Much Does It Cost To Hire An Uninsured Motorist Accident Lawyer In San Diego?
Generally, San Diego accident attorneys work on a contingency fee agreement. Under this arrangement, you won’t need to pay upfront costs to get legal representation. You will only have to pay after compensation has been obtained from the claim or lawsuit. This system allows anyone in need of legal assistance to access skilled representation without worrying about their financial situation.
How Much Is My San Diego Auto Injury Case Worth?
There is no one-size-fits-all answer to this. Every auto injury case is unique. Settlement values may vary depending on these factors:
- Severity of Injuries — This determines the medical costs you incurred due to your injuries.
- Impact of Your Injuries — This is where we will consider how the incident affected your life. We will try to answer the following questions:
- Did you miss work or lose wages due to your injuries?
- Are you permanently disabled as a result of the accident?
- Have your injuries led to significant changes in your lifestyle or quality of life?
- Did the crash affect your ability to provide for your family or perform routine activities?
- Have you experienced emotional suffering, trauma, or psychological distress after the collision?
- Will you require long-term or lifelong medical care or assistance?
Our San Diego uninsured motorist accident attorneys will help you assess the full extent of your losses. We will explore all avenues of compensation for the damages you suffered.
Does Uninsured Motorist Insurance Cover Hit-And-Run Accidents?
In certain states, the typical uninsured motorist property damage (UMPD) coverage does not apply to hit-and-run accidents. In California, for example, UMPD will only cover property damage if the uninsured driver is identified and reported. To qualify for compensation for property damage after a hit-and-run, consider getting collision coverage.
To learn more about your specific situation, call our San Diego uninsured motorist accident lawyers at (888) 488-1391. We provide confidential and free initial consultations.
Reach Out To The Uninsured Motorist Accident Lawyers Serving Clients In San Diego
After a serious accident, dealing with insurance companies can be overwhelming. It’s important to have a lawyer who genuinely prioritizes your case and your physical healing. Our San Diego uninsured motorist accident attorneys will advocate for your right to seek a fair settlement. We have handled various traffic accident cases for multiple clients across California, helping them navigate the claims process.
With years of experience in personal injury law, we will work diligently on your case. We will explain each step clearly and simply. If you have questions, we’re here to help. Call Arash Law at (888) 488-1391 to discuss your legal options.
Apart from uninsured motorist accidents, we also advocate for victims of wildfires, slip and fall incidents, truck collisions, dog bites, and big rig incidents. Our car accident lawyers can handle cases involving Uber and Lyft crashes, hit-and-runs, pedestrian incidents, DUI collisions, and more. We extend our legal services to the entire San Diego County area, including Coronado, National City, Chula Vista, Lemon Grove, Bonita, La Mesa, Imperial Beach, La Presa, Spring Valley, El Cajon, Rancho San Diego, Santee, Bostonia, and Lakeside.
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