澳大保险对未投保或投保不足的司机造成的伤害有何影响

澳大保险对未投保或投保不足的司机造成的伤害有何影响

In California, 驾车者只被要求购买最低限度的汽车责任保险,以赔偿他们在驾驶车辆时造成的伤害. 根据州法律,私人乘用车的最低责任保险要求是:

  • $15,000 for injury / death to one person;
  • $30,000 for injury / death to more than one person; and

Unfortunately, 即使是这些最低的汽车保险要求,也不是所有的司机都遵守法律. 还有许多人只在这些最低水平或更高的水平上购买保险, which is often grossly inadequate to fully compensate victims, especially when injuries are severe.

当你被未投保或投保不足的司机伤害时,保护你自己, 您可以购买未投保/投保不足的(UM / UIM)汽车保险.

  • Uninsured motorist coverage 当过失驾驶人没有任何责任保险或有 hit-and-run driver.
  • Underinsured motorist coverage 适用于当你的损害超过保险的水平,由故障司机.

投保不足的机动车保险提供的保险金额等于您购买的UM / UIM保险金额, 减去你从疏忽的司机那里得到的保险金额. 在你已经在过失驾驶人保单下获得赔偿之前,未投保的驾驶人保险不会生效. For example:

  • If you buy $250,000 UM / UIM insurance and the other driver carriers only $50,000 in bodily injury coverage, once you obtain the $50,000 policy limits from the underinsured motorist’s insurer, you can then make a claim for up to $200,000 more against your own UIM coverage.

当其他司机未投保或投保不足时,赔偿损失

If you are injured in a car accident caused by an uninsured or underinsured motorist, 您可以向UM / UIM提出索赔,以追讨您的损失. 虽然向自己的保险公司提出索赔可能是一种可行的赔偿来源, it is only an option if you have purchased UM / UIM coverage.

In California, UM / UIM coverage is not mandatory. However, 如果您还没有购买UM / UIM保险,或者增加您目前拥有的UM / UIM保险,那么您最好考虑购买UM / UIM保险. 有了这个保险范围,你就可以获得赔偿,也可以为你的医疗账单买单, missed wages, and other losses.

The California Department of Insurance has a free Automobile Insurance Guide ,以帮助您了解更多有关UM / UIM保险和其他形式的保险.

The Insurer’s Duty to Pay UM / UIM Claims

UM / UIM claims are first-party claims,这意味着他们会起诉你自己的保险公司. These differ from personal injury claims, 哪些是针对有过失的第三方及其保险公司的.

In third-party claims, the insurer owes no duty to the claimant. Insurers can stall the case, make inadequate offers, 或者迫使索赔人上法庭以获得公平的赔偿. In first-party claims, by contrast, the claimant is the policyholder, 这意味着保险公司对他们负有诚信和公平交易的责任. This obligates the insurance company to do the following:

  1. Promptly investigate and process the claim.
  2. Promptly respond to any communications regarding the claim.
  3. Attempt in good faith to effectuate prompt, fair, 一旦责任变得合理明确,就公平地解决索赔.
  4. 不得强迫被保险人提起诉讼以获得公平赔偿.

如果您提出UM或UIM索赔,而您的保险公司违反了其诚信行事和公平交易的义务, you can sue the insurer for bad faith. 如果你证明保险公司违反了诚信和公平交易的契约, the insurer will be liable for any damages you sustained as a result of its wrongful conduct; potentially even including punitive damages.

UM / UIM Arbitration

In UM / UIM cases, 该政策规定争议应通过仲裁而不是审判来解决. Arbitrations, when handled correctly by the claimant’s lawyer, generally resolve quicker and with less litigation expenses, 与陪审团审判相比,哪种方式可以增加原告的净赔偿额.

必仁律师事务所擅长处理和仲裁澳门大学和澳门大学的案件, 并有一个特殊的专业处理政策限制UM / UIM案件,强制立即支付保单限制,并在保险公司未能如此做的情况下,随后提出恶意索赔.

以下是两个涉及这些问题的UM / UIM案例:

  • Case 1: Biren Law Group代理了一名卷入肇事逃逸事故的索赔人. The driver was ultimately located but did not have insurance. Because the Claimant had purchased additional coverage, 她向自己的保险公司提出索赔,索赔金额低于500美元,000 UM policy. The insurer failed to pay the limits, only offered a portion of the policy benefits, and forced the case to arbitration. BLG帮助百家乐软件客户对承运人未能及时付款提出恶意索赔. 保险公司立即支付了赔偿金和6位数的巨额赔偿要求,以便处理此案.
  • Case 2: Biren Law集团代理了一名意外受害者,他获得了100美元,000 policy limits settlement from the negligent driver. 然后,她对自己的50万美元UIM保单提出了UIM索赔,以恢复剩余的损害. The insurer refused to pay the limits, 提供越来越多的政策利益,并迫使案件进入仲裁程序. On the eve of arbitration, the carrier finally paid the $400,000 remaining benefits available under the UIM coverage. Biren Law Group随后对该保险公司提起了恶意诉讼, which is now in litigation.

Call (310) 896-4345 for a FREE Review of Your Case

被保险人与其被保险人之间的特殊关系所施加的责任,可以为投保人在提出第一方UM / UIM索赔时提供独特的优势. 为了恰当地使用这种杠杆,追求全面的财务复苏, 受害者应与在仲裁程序和诉讼中有经验的律师合作 bad faith claims.

Biren Law Group是一家精品父子律师事务所,已经为客户追回了超过5亿美元的赔偿金. 如果您对UM / UIM索赔或因交通事故而引起的恶意行为有疑问, call or contact us online for a FREE consultation.

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