Anyone driving a vehicle in Orange County and throughout California is legally obligated to have proper insurance. Unfortunately, there are sometimes people on the road who have not gotten an insurance policy and are not protected in the event of a crash. If there is an accident in which the driver who is at fault is an uninsured motorist or an underinsured motorist, it is essential that the victim and the victim's family understand how to pursue compensation from that person directly.
Most of our readers in Southern California understand the basics of a personal injury lawsuit. When an accident, like a car accident, is caused by another party's negligence, that party can be held responsible in civil court for damages. There are really only four parts to most personal injury cases: show that a duty existed, the defendant breached that duty, the victim's injuries and costs would not have occurred "but for" the negligence of the defendant and, lastly, show that there were damages that resulted.
While you can be responsible, drive defensively and always carry car insurance, you cannot guarantee that other motorists will act with such due care. Unfortunately, some drivers in California drive without insurance. Should you get in an accident with an uninsured motorist, it may be difficult to seek recovery.
Usually if a person in Fullerton is in a car accident, he or she exchanges insurance information with the other driver. However, what if a person is injured in the crash and the other driver does not have insurance? Or what if a person is injured in a hit-and-run accident, and he or she cannot identify or locate the other driver?
No one in Fullerton wants to be in a car accident, so most people follow the rules of the road and drive with due care. However, there are always those who will flaunt traffic laws and drive negligently. It only takes one negligent act on the part of one motorist to cause a serious accident that severely injures another driver. You may think that when it comes to car accidents, all motorists carry automobile insurance. Unfortunately, this is not always true.
While auto insurance is required in California, it is a fact that some people for various reasons will not purchase auto insurance. When an accident is caused by an uninsured or underinsured driver, seeking compensation can become complicated. However, uninsured motorist coverage and underinsured motorist coverage may help those who are involved in such accidents.
It is a fact in life that accidents happen. No matter how careful individuals are, sometimes mistakes just occur. When a mistake occurs while a person is driving, it can be very costly for both the driver who makes the mistake and for any accident victims. In order to reduce the overall cost of the accident to individuals, auto insurance has been created. Insurance helps individuals pay for the costs associated with a car accident.