Williams & Javellana, LLP

Chico Uninsured Motorist Lawyer

Uninsured Motorist

uninsured motorist attorney chico ca

In the state of California, it is a legal requirement for motorists to have automobile insurance. In fact, there are specific laws that regulate the minimum amount of insurance that must be held by anyone who drives in the state of California. Although this law is in place, the unfortunate reality is, as much as 20% of the population in California falls under the category of being an uninsured motorist. If you are involved in an accident with an uninsured motorist, the responsible party may not have the insurance necessary to cover the damages associated with the accident, causing you to look elsewhere for compensation. One option to seek compensation if you are injured by an uninsured motorist would be filing a claim with your own insurance if you have Uninsured or Underinsured Motorist Coverage. For assistance with an accident involving an uninsured motorist, you can contact Williams & Javellana, LLP. We can assist you with the process and in making sure that you get the compensation that you need.

You might be interested in learning a little bit about what is considered to be an uninsured motorist in the state of California. Although most people consider an uninsured motorist to be somebody who has no insurance, and rightly so, there are also other classifications of individuals who are covered under that term. For example, an individual who does not have the minimum amount of state-mandated insurance coverage is also considered to be an uninsured motorist. Interestingly enough, that term is associated with the bodily injuries that are associated with a hit-and-run accident, not the property damage. In many cases, this is due to the insurance company’s refusal to cover the individual who left the scene of a hit-and-run accident.

There may be cases in which your own insurance is going to pay for the damages associated with the accident if the other person involved in the accident is an uninsured motorist. It is likely that before this takes place, a statement is going to need to be signed by the uninsured motorist under the penalty of perjury that they do not have insurance. Your insurance company is likely going to require the declaration page from the uninsured or underinsured motorist to determine the limits of the insurance on their insurance policy. You will usually receive the amount of coverage, up to the limit from their policy and the rest may be covered by your own insurance company.

In some cases, your own insurance company may refuse to pay you when you are involved in an accident with an uninsured motorist. In that case, it may be necessary for you to sue your insurance company for breach of contract. Depending upon the insurance policy that you have, it may be necessary for you to arbitrate the claim instead of suing them in court. If you find yourself in this unfortunate situation, do not hesitate to contact the Williams & Javellana, LLP. We can assist you in finding out what is available for you and in making sure that your rights are covered.


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Client Testimonials
Gold standard for professionalism and ethics. Extremely knowledgeable and proficient in handling complex cases. Attorney Javellana took painstaking hours building a civil case, (co-ownership/property rights) and then he presented overwhelming evidence at trial. Mr. Javellana was on point for 3 days at trial where he tactfully asserted a powerful presence in the courtroom and systematically picked apart the defendents and he was quick to respond to the dirty trickery of the defense attorney with undisputable legal arguments. As a result of Mr. Javellana's detailed and powerful representation, the opposing side had no chance. Mr. Javellana was extremely organized and detail oriented throughout. Mr. Javellana won the case across multiple points and most impressively he obtained a permanent injunction against the opposing party. Additionally, Mr. Javellana, represented me with two other cases where his professionalism and his relentless tactical drive continued with successful results. I highly recommend Mr. Javellana. J.M
California June 20, 2015