Fresno Underinsured Motorists Attorney

California’s Compulsory Financial Responsibility Law requires every driver and owner of a motor vehicle carry a minimum of $15,000 liability insurance per person, up to $30,000 per accident. These limits are often insufficient to fully compensate personal injury claimants. Because drivers who carry minimum liability insurance policies tend to lack sufficient personal resources to pay a personal injury claim, the underinsured motorist coverage contained in an insurance policy owned by you or a resident relative may be your best source of compensation after an injury.

When making an underinsured motorist claim, your insurance company may be entitled to certain credits which will reduce the amount you may recover from your underinsured motorist policy. The most significant of these is credit for the insurance coverage carried by the at fault drivers. By way of illustration, where a claimant with $100,000.00 per person underinsured motorist coverage recovers $15,000.00 from an underlying liability policy, the amount of underinsured coverage available may only be $85,000.00.

Most purchasers of underinsured motorist coverage mistakenly believe that making a claim against their own policy will be an easier process than a claim against the at fault driver’s policy; however, an underinsured motorist carrier is allowed to “stand in the shoes” of the other driver. As such, your own insurance company will fight your claim as fervently as if the other driver purchased the coverage. The process of compelling the insurance company to pay you the full value of your claim has some differences (for example: an unresolved claim is decided by arbitration rather then a court or jury trial), and not all claims are fully compensable (for example: property loss and punitive damages). An insurance company is, however, limited by the covenant of good faith and fair dealing owed to its insured, and is subject to additional damages, including punitive damages, if it acts in bad faith during the claims process.

The determination of what underinsured motorist policies may cover you, and in what amount, is a contractual issue which will require the analysis of an experienced underinsured motorist attorney. If you are not able to satisfy the full value of your claim from the other driver or his insurance policy, if any, meet with a Netzer & Malmo attorney to review the insurance policies of drivers, relatives and household members to determine if an underinsured motorist policy covers your loss.

A significant percentage of Netzer & Malmo clients rely on uninsured and underinsured motorist coverage to compensate them for their personal injuries. Our attorneys are well known throughout the insurance industry as providing zealous representation and advocacy of injured policyholders. Centrally based in Fresno, California, injured people come from all over the state to secure effective underinsured motorist representation for their most critical legal needs, and for good reason. See what N&M clients are saying about the lawyers they rely upon when a bodily injury forever changes their lives.

After suffering a personal injury, access to medical treatment must be the first priority. Immediate needs should be addressed at emergency rooms and urgent care clinics; however, injuries often require ongoing or specialized medical attention which can be difficult to quickly access, even for those of us fortunate enough to have medical insurance coverage. The attorneys of Netzer & Malmo have been working in conjunction with the medical community for over two decades, and have developed relationships with medical doctors, radiologists, specialists, chiropractors and therapists to maximize N&M access to immediate medical care. Your first call to find the right medical resources for treatment of a personal injury is here.

Every victim of a personal injury suffers unique and individual losses, and experiences the pain and suffering of injury differently. Netzer & Malmo will assist you in identifying, quantifying and valuing these losses so that your claim is fully understood and prosecuted to maximize your recovery. No one is ever fully compensated for the loss of enjoyment of life caused by an injury; however, the N&M claims management process assures that every compensable item of loss is identified and included in the recovery process.

The journey from bodily injury to monetary recovery in a personal injury case can be a long, frustrating and complicated process, exacerbated by constant pain, and often worsened by the financial hardship that accompanies an injury-produced job loss. Retaining Netzer & Malmo as your legal advocate gives you the peace of mind to know your personal injury matter is safe in the caring, competent hands of highly experienced personal injury attorneys. N&M is a full service law firm dedicated solely to representing the injured; your underinsured motorist claim is professionally handled from injury to settlement, award, verdict or judgment. N&M clients have the exclusive authority over whether to settle a case. Attorneys consistently provide N&M clients with written updates detailing the status of their legal matter, including relevant information and explanations of the claims and litigation process.

Netzer & Malmo has developed an application for smart phone users to record information from an accident scene. This is an invaluable tool for N&M client’s use to record and preserve the key evidence that exists only at the scene of an injury to assure the facts necessary to prove your case are gathered and securely maintained for your attorneys. Download the N&M Personal Injury Attorney Application here.

The Netzer & Malmo personal injury team is always available to evaluate and advise you on your underinsured motorist case. Please contact us now to discuss your matter. No payment is required to discuss the merits of your case, and no legal fee is owed unless and until a financial recovery is made for you.