California Has The Highest Number of Uninsured Drivers on the Roads
Uninsured motorists are a major safety hazard on California’s roads and highways. And dealing with a car accident involving an uninsured motorist can be a frustrating and unfair process.
Many drivers think that purchasing auto insurance means that they will be covered, even if the other driver is underinsured or uninsured. Unfortunately, this is not always the case. Our goal at Del Rio & Carichoff is to help educate California drivers about the best car insurance coverage to have, in order to provide the maximum protection for you and your family.
Drivers operating vehicles without the proper insurance are a major problem in California and throughout the United States. According to data released by the Insurance Information Institute:
• An estimated
1 out of every 8 drivers is uninsured in the United States.
•California had the highest number of uninsured driversout of any state in 2012, with an estimated 4.1 million motorists driving without insurance.
• The Insurance Research Center estimated that nearly $2.6 billion was paid in the U.S in 2012 on uninsured motorist claims.
These statistics about uninsured motorists are troubling. It is crucial that drivers in Sacramento and the surrounding areas understand what their car insurance policy covers and what it does not.
Does your auto insurance coverage protect you and your family in the event of an accident involving an uninsured driver?
First, let’s clear up two common misconceptions about uninsured motorist coverage:
•I have “full coverage” insurance.
I’m covered for any circumstance: “Full coverage” is a frequently used term in auto insurance,
but is not an actual type of coverage. While you may have liability, collision,
and comprehensive protection, your policy may still be lacking in other
types of coverage, such as uninsured motorist protection or reimbursement
for emergency roadside assistance or rental cars.
• To save money I should waive the uninsured/underinsured motorist coverage: In truth, this is one of the biggest mistakes a driver can make when purchasing auto insurance. Uninsured/underinsured motorist coverage is incredibly vital because it is the only type of coverage that actually provides protection for you and the passengers in your car. If the other person has inadequate coverage or is uninsured, then uninsured/underinsured motorist coverage is the only fallback. And it does not cost much more than a few dollars a month.
So, how much Uninsured/Underinsured Bodily Injury Coverage do you need?
At Del Rio & Carichoff, our attorneys generally recommend at least $100,000/$300,000.00 in Uninsured/Underinsured Bodily Injury Coverage. That means that each person is insured up to $100,000 in the event of an accident, and you have up to $300,000 of total coverage per incident. $100,000 per person can generally cover the medical expenses, income loss, and pain and suffering of all but the more serious injuries.
If you or a loved one is seriously injured in a car accident that was not your fault, or if have questions about your auto insurance coverage, call Del Rio & Carichoff.
When you call, you will receive a FREE consultation with one of our experienced, dedicated Sacramento Car Accident attorneys. At Del Rio & Carichoff, we will speak with you for free, investigate every detail of your situation, and help ensure that your rights are protected. If we take your case, you will never pay an attorney’s fee up front, and you owe us nothing unless we recover for you.