August 28, 2013 /24-7PressRelease/
-- The streets and freeways of San Francisco are world-renowned for their terrain and beautiful scenery. They are, however, also known for their congestion and high volume of traffic. Along with those factors comes an increased risk of motor vehicle accidents
. In 2010, the city of San Francisco experienced:
3,945 injury or fatal accidents
323 of those involved motorcycles
832 of those involved pedestrians
592 of those involved bicyclists
Further statistics show that 338 accidents in the city for 2010 were hit-and-runs, 627 were related to speeding and 530 occurred at night. Safety on the road is no laughing matter and every driver should take all reasonable and available precautions to avoid an accident.
Basic California Insurance Requirements
While California law requires all motorists to carry a minimum amount of automobile insurance, there are nonetheless drivers who ignore this law. An accident with an uninsured driver can bring even greater headache to victims than an accident where sufficient insurance on the part of the responsible party is to be had.
At a bare minumum, California state law mandates that all drivers purchase automobile insurance to cover injury costs up to $15,000 for one person, injury costs up to $30,000 for more than one person and property damage costs up to $5,000. Drivers who disobey the law and get behind the wheel without insurance are liable for fines and prosecution.
If you are hit by a driver who does not carry automobile insurance, you will need to rely partially on your own insurance policy for assistance. While not required, carrying "uninsured motorist coverage" is one of the wisest decisions any insured driver can make.
A Word About Underinsured Drivers
In addition to drivers who opt not to carry insurance at all, there are many drivers who only purchase the minimal amount of coverage to meet the legal requirements. While this is well within the parameters of the law, it may not be good enough to cover the actual damages or injury costs sustained in an accident.
If you are hit by a driver with the lowest possible amount of insurance and your medical and property damage costs exceed those limits, once again you will be looking to your insurance policy for some assistance. Underinsured motorist coverage is a related coverage to that for uninsured motorists and helps to protect you in such situations.
Options For Victims Of Uninsured Or Underinsured Drivers
Drivers involved in accidents, especially those that have sustained car accident injuries, caused by uninsured or underinsured drivers need not rely solely on their own insurance policies for appropriate compensation. Instead, they should speak to an experienced accident and injury attorney to learn the other options available to them for proper recourse.