If you are like most Americans, you are only a few paychecks away from financial hardship. You need your income to take care of yourself and your family.
The sad truth is that circumstances beyond your control could leave you unable to provide for yourself. Someone else making bad decisions on the road during your daily commute could result in a crash that leaves you hurt and unable to work.
What happens when you get injured in a crash and have to miss several weeks or more of work?
California’s liability insurance law protects drivers
For someone to legally operate a motor vehicle on California roads, they have to register their vehicle and insure it. The insurance coverage helps protect a driver not just from the loss of their vehicle in a crash but also from liability claims if they hurt other people.
If you have injuries so severe that you can’t work after a crash, the other driver’s personal injury or medical coverage on their liability coverage will cover you. Unfortunately, California only requires $15,000 worth of coverage if one person gets hurt in a crash. You might wind up with more lost wages and medical bills than the other driver’s coverage allows.
What are your options when there isn’t enough insurance?
In some cases, you may need to make a claim against your own policy if you have underinsured driver protection. Other times, you may have no choice but to file a personal injury lawsuit against a driver who leaves you hurt after a crash and doesn’t have enough insurance coverage to protect you. At that point, you may be able to pursue any assets they have to cover your losses.
Often, there are several different approaches to take to a car accident claim. If you’ve been injured in a wreck, the smart thing to do is to speak with a personal injury attorney right away about your options.