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Entries in uninsured motorists (2)

Wednesday
Feb112015

Cracking Down on Hit and Run Via Social Media

Injury Attorney Los AngelesPersonal Injury Lawyer

 

by David B. Bobrosky

(818) 907-3254

 

About 80 percent of hit and run cases between 2008 and 2012 in the Los Angeles area were never solved, according to the Los Angeles Times. Compare that to the city of Denver, whose police force actually resolves about 78 percent of that city's hit and run crimes. 

The reason for the difference? A program called Medina Alerts, which works like the Amber Alert system. Medina Alerts is named for a 21 year old Denver valet who was killed by a hit and run driver while on the job. The Medina system was implemented in 2012 and Colorado's governor approved it for state-wide use last year – City Hall officials here in Los Angeles unanimously approved launching a similar program here.

The hit and run crackdown will have several components: 

  1. All Los Angeles city departments will help to put out notifications on the city's Twitter and Facebook accounts, as well as the Emergency Management Department's NotifyLA texting system.

  2. The Los Angeles Police Department will post notifications on Nixle – a web platform on which government agencies share information with each other and certain subscribers.

  3. DASH bus drivers and licensed taxi drivers will receive notifications via dispatch systems, and other city employees such as sanitation workers may get the notifications in the future. Rideshare companies like Uber and Lyft may also participate in the future.

  4. Witnesses can receive rewards for coming forward with information leading to a hit and run arrest: $1,000 for property damage, $5,000 for hit and runs leading to minor injuries, $25,000 for those involving serious injuries and $50,000 for hit and run crimes involving fatalities. 

Hit and run alerts will be initiated only when serious bodily injury or fatalities occur, and if witnesses can provide sufficient information regarding the fleeing driver in terms of the driver’s  physical description,  the vehicle's color, partial plate numbers, make or model, etc.

 

Hit and Run: How Will the Law Change?

California Attorney

Los Angeles City Council asked city attorneys to draft a special ordinance regarding the monetary rewards listed above. Members also voted to support California legislation intended to create a state-wide alert system. Councilman Mitchell Englander said, "these are not accidents – these are crimes" at a recent news conference. 

State Assemblyman Mike Gatto (D-Glendale) introduced California Assembly Bill 8 in December – intended to launch a "Yellow Alert" system for hit and run accidents. Governor Brown vetoed a similar legislative effort earlier last year, amid concerns hit and run notifications would overburden the Amber Alert program.

As for why the City of Los Angeles rather than the state seems to be riding point in this endeavor, Englander explained that the city is better able to implement a program immediately. 

Compensation Following a Hit and Run Accident

The large number of unresolved hit and run cases in Los Angeles serves as yet another reminder of the importance of uninsured motorist coverage. Considering the 20,000 or so hit and run accidents occurring in this city each year, it is the most important coverage drivers can buy.

Such coverage, especially for hit and run accidents, can garner compensation from the hit and run victim's own insurance carrier for property damage, medical expenses, loss of earnings and pain and suffering – up to the limits of the uninsured coverage. Uninsured limits should always match liability limits.

When a hit and run driver is caught, the victim may also be entitled to additional compensation by making a claim against the driver’s insurance carrier. This is especially important if the victim does not have uninsured coverage. 

Additionally, the victim may pursue restitution through the criminal court system—which could include attorney fees for pursuing compensation for injuries and punitive damages for the driver fleeing the scene.  All such damages may not always be recoverable depending on the financial viability of the defendant.

 

David B. Bobrosky is a Personal Injury Attorney and Shareholder at our firm. Contact him via email: dbobrosky@lewitthackman.com, or by phone: 818.907.3254. 

Disclaimer:
This Blog/Web Site is made available by the lawyer or law firm publisher for educational purposes only, to provide general information and a general understanding of the law, not to provide specific legal advice. By using this blog site you understand there is no attorney client relationship between you and the Blog/Web Site publisher. The Blog/Web Site should not be used as a substitute for obtaining legal advice from a licensed professional attorney in your state.

Thursday
Jun022011

California Auto Insurance - Policy Check

Injury Attorney Los AngelesLos Angeles Injury Lawyer 

 

by David B. Bobrosky
(818) 907-3254

 

California auto insurance industry experts estimate that 33 percent of the state’s drivers have no automobile liability coverage. And the rate of uninsured drivers in low income areas may exceed 60 percent.

Though recent figures from different sources have the overall numbers closer to 20 percent, that’s still more than 4,000,000 drivers with no insurance in the state.

And based on our own practice findings, we estimate that nearly 50 percent of the drivers we deal with have either no insurance or just the minimum.

Many of our clients think they have full coverage, which usually means they have liability, collision and comprehensive coverage. Unfortunately that excludes one of the most important auto coverage you could have – uninsured/underinsured motorist coverage.

Types of California Car Insurance

 

Before explaining why uninsured/underinsured coverage is so important, let’s take a look at the most common coverages available:

▪  Bodily Injury Liability: provides coverage for people you cause injury to in an accident.

▪  Property Damage Liability: covers any property you cause damage to, other than your own, in an accident.

▪  Collision: covers damage to your own car when in an accident, regardless of who is at fault.

▪  Comprehensive: provides coverage for losses to your own car for incidents other than a collision. This includes cars stolen, or damaged from falling trees, animals, fires, etc.

▪  Uninsured Motorist: covers you, the insured members of your household and your passengers for bodily injuries, damages or death caused by another driver who was not insured, or who fled the scene.

▪  Underinsured Motorist: provides coverage for you, the insured members of your household and your passengers for bodily injuries, damages or death caused by another driver who had less liability insurance than you have in underinsured coverage.

Importance of Uninsured/Underinsured Insurance

 

If you’re involved in an accident with an uninsured or underinsured driver and you only carry liability, collision, and comprehensive, you are left to deal with medical bills, lost time from work and the pain, by yourself.

By adding uninsured/underinsured car insurance, you can seek compensation for your injuries for up to the policy limits of your own uninsured motorist coverage.

For example, with uninsured policy limits of $100,000, you can seek compensation for your medical expenses, lost wages, and pain and suffering up to those $100,000 limits.

If the other driver carries limits of $15,000 and you have that same $100,000 in underinsured coverage, you could obtain the other driver’s $15,000 policy limits, and recover the difference between the two policies ($85,000) from your own carrier.

Thus, by carrying uninsured and underinsured coverage, you are protecting yourself, your business and your personal assets.

Check your California auto insurance policies and make sure you have adequate uninsured/underinsured coverage. Check your excess/umbrella policies as well, as only certain companies offer excess/umbrella policies that include uninsured/underinsured coverage.

Californiauninsured/underinsured motorists coverage is relatively inexpensive…how can you not afford to protect yourself?

David B. Bobrosky is a Los Angeles Personal Injury Attorney. You can reach him at: 818.990.2120.

Disclaimer:
This Blog/Web Site is made available by the lawyer or law firm publisher for educational purposes only, to provide general information and a general understanding of the law, not to provide specific legal advice. By using this blog site you understand there is no attorney client relationship between you and the Blog/Web Site publisher. The Blog/Web Site should not be used as a substitute for obtaining legal advice from a licensed professional attorney in your state.

 

 

LEWITT HACKMAN | 16633 Ventura Boulevard, Eleventh Floor, Encino, California 91436-1865 | 818.990.2120