Ventura Uninsured Driver Car Accident Lawyer

You’ve just been hurt in a car accident. You’re frazzled and injured, and the last thing you need is to find out that the other driver doesn’t have insurance. What do you do? You could feel like you’ve hit a brick wall, but don’t worry; you’re not alone and you’re not without options. At Zavala Law, we’re here to walk you through the muddy waters of uninsured driver car accidents in Ventura County. We’ll explain your options and recommend the best course of action, and we’ll follow through to get you the results you need. Contact our experienced Ventura uninsured driver car accident lawyer today.

What to Know About Accidents Involving Uninsured Drivers in Ventura County

Car insurance in California is out of whack. The state has one of the lowest thresholds in the country, requiring drivers to carry as little as $15,000 per person for bodily injury (up to $30,000 per accident) and only $5,000 for property damage. These low minimums often fail to meet your needs, and yet the cost of car insurance in California is ghastly expensive. Whether your damages after a crash meet or exceed an insured driver’s policy limits, a skilled and experienced car accident lawyer can help you get compensation that lines up with the harm done to you.

To make matters worse, over 16% of California drivers go about uninsured. California ranks in the top ten states in the country for having the highest percentage of uninsured motorists, and more than one in ten drivers on the road right now in Ventura County are likely driving without insurance.

Do you still have a claim if the other driver is uninsured? Yes. For one, you can pursue legal action against the driver and, if necessary, secure a judgment against them. You could then go after their assets to satisfy that judgment. An easier route, however, is to file an Uninsured Motorist (UM) claim with your insurance company. UM coverage was included with your liability insurance policy unless you expressly rejected it in writing, and your UM policy limits likely equal your liability limits.

Meet Matt Zavala: Your Personal Guide Through Uninsured Motorist Claims in Ventura County

Uninsured motorist claims are not a walk in the park. Even though you are dealing with your insurance company and not the other driver’s, your interests are still opposed to theirs. You want to be fully paid for all the harm done to you by the negligent driver; your insurance company wants to settle your claim as cheaply as possible. With a decade-long background in insurance defense and extensive trial and litigation experience, Matt knows how to deal with the insurance company in or out of court and make sure they treat you right.

In addition to Matt’s skill and experience in handling your claim, at Zavala Law you’ll find a deep commitment to making sure you are listened to, responded to, and cared for the entire time you are a client of ours. Personal service, accessibility, and a positive client experience are not just buzzwords to us; they’re our promise to you. From your first phone call with us to that final settlement or judgment, we aim to make your legal journey as comfortable as possible while working diligently toward the best outcome.

Practical Steps to Take When Dealing With an Uninsured Driver

1. Contact the Police: Always file a police report; it can be essential evidence in your case.
2. Document Everything: Photos, witness testimonies, and all other evidence can make or break your case.
3. Notify Your Insurance: Many people hesitate to do this, but it’s crucial, and it must be done in a timely manner. If you are unsure what to say or do when talking to your insurer, call us first for advice and answers to your questions.
4. Reach Out to Zavala Law: A prompt legal consultation can help set the stage for a successful claim.

Contact Zavala Law Today

Handling a car accident case with an uninsured driver can feel like playing a high-stakes game without knowing the rules. Zavala Law can change that perspective for you. We’ll help you make sense of the rules, and we’ll play the game to win—while keeping you in the loop and at ease, every step of the way. Call our Ventura personal injury law office at 805-429-4292 for a free consultation to discuss your concerns, share the details of your accident, and get started on the road to the physical and financial recovery you deserve.