We are often asked Do I have a case regarding a personal injury claim. Generally speaking, if you are injured in any manner due in any part to the fault or negligence of another person, company or business you definitely have the grounds for a personal injury claim. The answer to your question of “Do I have a case” is actually much more legally complex.
The three elements which are required for a successful personal injury claim are:
- Injury due to the negligence of another
- Insurance coverage or substantial financial assets
- Evidence of the injury event and documentation of all past, present and future financial damages associated with the personal injury claim.
One of the primary factors associated with any personal injury claim is the presence of substantial insurance coverage. You may be surprised this doesn’t only apply to the insurance coverage of the person(s) responsible for your injuries. In many cases the question of Do I have a case may actually depend upon your own automobile insurance coverage.
The primary source of financial recovery in any personal injury claim is insurance. The viability of a any personal injury case comes down, in part, to the insurance of the individual(s) at fault, as well as the Uninsured Motorist/UnderInsured Motorist or UM/UIM coverage of the injured party.
A person with a valid personal injury case may recover financial damages associated with their injury, including but not limited to:
- Past, present and future medical bills
- Lost wages due to missed work
- Compensation for having to endure the pain of injury and the suffering associated with recovery
- “Life Care” compensation when it is no longer possible to do the same work, or when substantial ongoing treatment, medication and/or therapy will be required for the foreseeable future
- Modifications to a home, vehicles and work environment based upon permanent injury
- Property damage to their own vehicle
If the responsible party is only covered by California’s minimum insurance requirement ($15,000 bodily injury per person, $30,000 for all injured persons in a single accident) it is quite easy to see why these amounts are usually no where near enough to cover all of the genuine expenses and financial damages of a personal injury claim.
Maximize your UM/UIM Automobile Insurance Amounts
That is where the UM/UIM coverage of your own automobile insurance comes into consideration. Contact your auto insurance provider and ask your agent or representative about maximizing UM/UIM coverage. This is one of the most affordable and valuable forms of insurance you can purchase.
This important component of your automobile insurance provides additional coverage to make up the difference between the financial damages you’ve been forced to endure and the minimal amount of insurance coverage (or complete lack of insurance) carried by those who are responsible for your injuries.
The Law Firm of Rivers Morrell highly recommends all Californians to maximize the UM/UIM portion of their automobile insurance policy as there is often not enough insurance to cover the financial damages associated with a personal injury claim.
Contact a Personal Injury Attorney with more than 40 Years of Experience to Learn If You Have a Case
The fastest way to get an answer to the question Do I have a case is to contact us or call 949-305-1400 to speak with Rivers personally for a free consultation.
It won’t cost you anything to get the answers to all of your questions and important sound advice on how to protect your interests. The ability to make your case rests with the experience, trial skill and resources of the personal injury attorney who represents you. There is no cost to you out of pocket when we take your case as we work on a contingency fee basis.