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You are heading home from the San Diego Chargers game. Your home football team had just won and everyone was celebrating. You are exiting Qualcomm Stadium in your car when another
driver at a high rate of speed sideswipes your car. The other driver appears to be drunk as he stumbles out of his vehicle. Your car has been badly damaged from the impact.
Your neck and back are hurting. You are feeling dizzy and faint. Your side, where the impact occurred, is painful.
You pull to the side of the road as best you can, exit your car and ask the driver who hit you to exchange insurance information.
The State of California requires you must show financial responsibility for any vehicle that you own, in case of injury to other people or
damage to their property.
Most people show financial responsibility by buying auto liability insurance. California law states, "All drivers and all owners of a motor vehicle shall at
all times be able to establish financial responsibility and shall at all times carry in the vehicle evidence of the form of financial responsibility in effect for the vehicle."
The other driver slurring his words says he doesn't have insurance. Someone apparently had called law enforcement because the police and EMTs arrive shortly after the
accident. They conduct a sobriety test against the drunk driver and arrest him for a possible DUI.
The EMTs do an assessment of you and determine you have sustained a minor concussion. They want to transport you to the nearest hospital for observation.
As you are loaded into the ambulance, you explain to the investigating officer that the other driver said he did not have insurance and you ask for a traffic report.
After you leave the scene of the accident in the ambulance, a tow truck has come to collect both cars and impound them until they can be claimed.
In California, if you do not have auto liability insurance, you can be fined, your license may be suspended, and your vehicle could be impounded.
Your auto insurance policy is a contract between you and your insurance company. It explains:
You arrive at the hospital where you spend the next 24 hours under observation. You are sore and hurting. Luckily there are no broken bones just soft tissue injuries.
Arriving home two days later, you now have medical bills, vehicle repair bills, towing bills, no car to get to work and can't work because of your injuries.
Now what do you do? Call a professional personal injury attorney such as the Law Offices of Allan S. Field to help you resolve your case.
Such a seasoned personal injury attorney will know how the uninsured motorist section of your insurance policy will assist you in resolving your case and how to get reimbursed
from the other driver.
In most cases, a personal injury attorney will contact your insurance company to take care of the repairs to your vehicle. He will then advise you to seek continued medical
treatment for any injuries you may have sustained as a result of the crash. Once you are permanent and stable in your medical treatment, a
professional personal injury attorney will assist you in getting your bills paid.
Treatment may take months. You may even loose time from work as a result of your injuries. You are still experiencing terrible headaches and can't focus.
With the assistance of a personal injury attorney you will get the medical treatment you require paid for and your transportation concerns resolved.