Uninsured Motorist Insurance
If you were injured due to the negligence of an unidentified motorist who fled the scene of the accident, you can file a claim with your own coverage. In California, car insurance providers are required to offer uninsured motorist (UIM) coverage, and the only way to deny it is in writing.
In other words, you very likely carry UIM coverage, which will support you if an at-fault driver does not carry the legally required insurance. If you cannot identify the driver responsible for your Bakersfield hit and run car accident, this amounts to them not having insurance and therefore triggers your UIM coverage.
Coverage Amounts
The basic coverage afforded by UIM includes $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $3,500 in property damage.
UIM coverage cannot be stacked, which means combining coverage across policies or households is not allowed. You can, however, purchase more than the basic coverage, which could be incredibly helpful in the event of a hit and run accident.
Covering Losses
In a claim against your UIM coverage, you can seek compensation for many economic and non-economic losses.
You can pursue coverage for property damage to your car and its contents. It is important to note, however, that the maximum property damage compensation for basic UIM insurance is $3,500, which is relatively low. If you purchased additional coverage, you can seek compensation up to the total amount purchased or up to your total damages—whichever is less.
If you have been injured in a car accident, your medical bills can add up very quickly. If your injuries are severe, lead to complications, or result in secondary health concerns, you can expect this form of loss to be ongoing.
While recovering from your injuries, you may be unable to work, which can lead to lost earnings. If your ability to do your job or to reach your earning potential is affected, your injury’s financial impact will be that much more profound.
The physical and emotional pain and suffering you endure after being injured in a hit and run crash can be immense. This emotional component can intensify the effects of your other damages and may even exceed them in terms of overall impact on your life.
Get Started Today