Ontario Uninsured Motorist Accident Lawyer
The law in California requires all motor vehicle drivers to purchase minimum amounts of bodily injury and property damage liability insurance. That way, they can pay for any car accidents they may cause. Unfortunately, many drivers in Ontario and throughout the state break the law by driving while uninsured or underinsured.
If you get injured in an accident caused by an uninsured driver in Ontario, it is important to discuss your legal options with an experienced Ontario personal injury lawyer. An attorney can review your case and help you find the right way forward. Even if the at-fault driver is uninsured, you may still be eligible for financial compensation. Contact us for a free case evaluation.
Why Choose Us?
- Our attorneys have served injured victims in California since 1936. We have a long track record of securing outstanding results for clients, including $3.9 million for a trucking accident case.
- Your Ontario car accident lawyer will spend individual time and attention on your case. We care about our clients and always go above and beyond to achieve the results they deserve.
- There’s never a fee for our legal representation unless we win. We operate on a contingency fee basis, meaning we charge $0 upfront for our services on uninsured motorist cases.
When to Contact an Uninsured Motorist Accident Lawyer in Ontario
A car accident case involving an uninsured or underinsured motorist in Ontario can be difficult to navigate. Unlike a typical car accident case, where the at-fault driver has insurance to pay for the damages he or she causes, this type of insurance claim is not a possibility since the driver illegally drove without car insurance coverage.
A specialized car accident lawyer in Ontario can investigate your case and explore all of your legal options, such as suing the at-fault driver, filing a claim with your own insurer or holding a third party accountable. A lawyer will help you choose the right route and file the claims paperwork for you before California’s deadline.
When it comes to dealing with insurance companies and negotiating a fair settlement for your medical bills and property damage, you can count on your attorney to fight for maximum compensation using proven legal strategies, even if this means taking your uninsured motorist case to court in Ontario. Meanwhile, you can focus your energy on healing.
Who Pays for an Accident With an Uninsured Motorist?
If you get injured in a car accident with an uninsured motorist, who is responsible for paying for the damages can depend on several factors. First, you will look at California’s car insurance law, which places financial responsibility (liability) on the at-fault party. If the at-fault driver does not have enough insurance to pay for your losses – or any insurance at all – you may need to turn to your own car insurance provider, instead.
Two types of car insurance coverage known as uninsured motorist coverage (UMC) and underinsured motorist (UIM) insurance are optional in California. However, drivers must reject them in writing when purchasing insurance. If you don’t remember rejecting this insurance at the time of purchase, it is probably included in your policy. The default limits are $15,000 per person/$30,000 per accident in bodily injury, plus $10,000 in property damage insurance.
After your car accident, contact your own car insurance company to find out if you have this type of coverage. If so, you can file a first-party claim for financial compensation. If not, you may consider filing a personal injury lawsuit against the at-fault driver; however, suing an uninsured driver does not always have good results, as the driver may not have enough personal assets to pay. Another option could be holding a third party liable.
Third-Party Claims After an Uninsured Motorist Accident in Ontario
A third party refers to someone who caused or contributed to a car accident but who was not actually involved in the collision itself. An example is the manufacturer of a defective automobile part, such as motor vehicle brakes that malfunctioned and failed, causing a car crash. In this situation, the manufacturer could be held liable through a product liability claim, even if the driver of the motor vehicle does not have insurance.
Another example is bringing a claim against a government agency for a car accident involving a roadway defect or hazard. If the car accident involved an issue such as a pothole, the government may face at least partial liability for failing to maintain a safe public roadway. This could give you an outlet for financial recovery despite the at-fault driver being uninsured or underinsured.
Types of Financial Compensation Available
A lawyer from Rose, Klein & Marias, LLP can investigate your car accident thoroughly to search for all available types of financial coverage. We can file one or more claims on your behalf and negotiate for a fair payout for all of your past and future losses caused by the crash. Your recoverable damages may include:
- Existing medical bills and future health care costs
- Losses of income and earning opportunities
- Long-term or permanent disability expenses
- Property damage repairs or vehicle replacement
- Lost quality or enjoyment of life
- Physical pain and emotional suffering
- Post-traumatic stress disorder (PTSD)
- Loss of consortium
- Wrongful death damages, if applicable
- Punitive damages, in some cases
Most car accident cases in Ontario reach settlements. However, a case with complications such as an uninsured or underinsured driver may have to go to trial in California for the victim to achieve a fair outcome. Our trial attorneys are prepared to go to court on your behalf if this will achieve the best results.
Contact the Uninsured Motorist Accident Lawyers at Rose, Klein & Marias, LLP Today
If you were hit by a driver in Ontario who has no insurance at all – or not enough to pay for your losses – contact Rose, Klein & Marias, LLP for a free consultation. We have years of experience handling all types of auto-related claims, including uninsured and underinsured motorist cases. Our Ontario car accident lawyers are ready to help you seek justice, hold someone accountable and recover full financial compensation so that you can move forward.
You won’t pay us anything unless we win your car accident case, so you are able to recover from your injuries with financial peace of mind. To schedule your free case review in Ontario, call us today at (800) 362-7427.