Very often, about 15 percent of the accidents in California involve someone who was uninsured. So if you are one of those people where you were injured in an accident that’s caused by an uninsured motorist, you can use your own uninsured motorist insurance coverage to make a claim with your own company. We can represent you on that.
Many people are concerned that their insurance rates are going to go up or that they’re going to be dropped by their insurance company as a result of making an uninsured motorist claim. However, under California’s proposition 103, insurance companies are not allowed to raise rates or drop a person because they made an uninsured motorist claim. So, it is a legitimate concern and I would be concerned myself, but I know from many years of practice and the law that these things don’t happen and nothing bad happens to you with your insurance company as the result of a U.M. claim.