Why you should get uninsured / underinsured motorist insurance coverage

December 20, 2017 | 9:15 am


Do you have enough auto insurance coverage to protect you or a loved one in the case of an accident? That’s one of the most important questions you should consider before getting behind the wheel.

At the same time, you should consider the following:

  • Do you know what California’s minimum for auto insurance coverage?
  • Do you have uninsured or underinsured motorist insurance coverage?
  • And did you know that the California minimum — which is $15,000/$30,000 coverage — will cover an ambulance ride and little else?

To dive deeper into these questions, Chain | Cohn | Stiles, with the help of attorney and senior partner Matt Clark, has recorded a short video on the topic of auto insurance coverage.

Below, Clark answers the big question, “Why should I get uninsured / underinsured motorist insurance coverage?” In short, obtaining this coverage will help protect you and your family in the case of an motor vehicle accident.

Learn more by watching the video on chainlaw.com, or read more below. And if you have other questions related to an injury or accident, visit Chain | Cohn | Stiles’ Frequently Asked Questions page.

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By California law, you’re required to purchase at minimum a $15,000/$30,000 coverage. So what exactly does that mean?

If you’re in an accident and it’s your fault, your insurance will pay up so much to those involved in that accident. That small coverage satisfies the coverage for auto insurance. People are always surprised to learn, after learning more about the law, that California requires so little insurance because that $15,000 will cover an ambulance ride to the hospital and little else.

So how do you protect yourself when there are people driving around with this limited coverage, or none at all? You can purchase uninsured / underinsured motorist insurance coverage.

How do these coverage work? You have to purchase this as part of your policy; however, insurance companies will not give you higher coverage than your auto insurance coverage. For example, if you have $100,000 in coverage, you can purchase up to 100,000 in uninsured / underinsured motorist insurance. But a lot of companies won’t tell you this. You typically have to sign a waiver to drop down your limits. Be very careful when you purchase auto insurance, and be sure it matches your liability limits. Don’t let the insurance companies sell you something less.

Once you have the coverage, if you’re in an accident and that person is at fault, uninsured / underinsured motorist insurance coverage will come in and pay. It covers you, but also blood relatives in your household and other passengers. For example, if your son is a passenger in his friend’s car, and they are involved in an accident, your uninsured / underinsured motorist insurance coverage will cover your son. Also, if you’re hit by a vehicle while walking in a parking lot, or hit by a vehicle while riding a bicycle, your uninsured / underinsured motorist insurance coverage will cover you.

If you have a $100,000 policy and the other driver at fault has only a $15,000 policy, you can collect that $15,000 and another $80,000 from your own policy for a total of $100,000, if your claim is worth that much. So this covers you if the driver at fault has little or no insurance.

This is the one of the most important coverages to protect you and your family. Far too often, people come to Chain | Cohn | Stiles with horrible injuries, and the driver at fault has little or no insurance, while they have limited coverage as well. Our sometimes attorneys have the sad task of telling people there is not much our lawyers can do to help because of limited or no insurance coverage. It’s not fair or just, but it’s reality.

This is a complicated issue. We advise you if you believe you have an injury or accident claim, call Chain | Cohn | Stiles. Meet with the lawyers and staff to learn the important steps to take.

And contact your insurance agent to learn more about uninsured / underinsured motorist insurance coverage options available to you.

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If you or someone you know has a potential personal injury or workers’ compensation case, contact the lawyers for a free consultation at (661) 323-4000 or visit the website chainlaw.com.

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*NOTICE: Making a false or fraudulent Workers’ Compensation claim is a felony subject to up to 5 years in a prison or a fine of up to $150,000 or double the value of the fraud, whichever is greater, or by both imprisonment and fine.

Community Voices: Bad workers’ compensation laws in California are costing taxpayers

October 26, 2016 | 9:02 am


Editor’s Note: The following article appeared as a Community Voices article in the Oct. 14, 2016, Opinion section of The Bakersfield  Californian. To read the article in print format, click here. To see the article online, click here

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Taxpayers: Bad workers’ comp laws in California are costing you

By James A. Yoro

As a business owner, I have a personal investment in the health and welfare of my employees. Not only do I want a safe working environment but if, God forbid, they get injured, I want them to be taken care of so that they can return to work as soon as they recover.  That is what I expect for the insurance premium dollars I have spent.

A workers’ compensation system that provides adequate support to injured workers is a key component to the social safety net that we as a society have all agreed is necessary. It provides a fair and balanced approach to the costs of doing business and the unfortunate inevitability of on-the-job injuries.

Continuing erosion of these safety net benefits result in harmful and widespread economic consequences to the injured worker. What often goes unnoticed and unmentioned is the fact that we all will ultimately bear the brunt of this denial of benefits as a result of the cost shifting that occurs.

In fact, it’s costing you, my fellow taxpayers, right now.

California’s private workers’ compensation insurance carriers so effectively lobbied California’s legislators that they have eroded the system to the extent that the costs for the long-term care and disability for injured workers in the state often falls on taxpayers through the Medicare, Medi-Cal and Social Security system. This is an undue burden to the taxpayers and a shirking of the insurance company’s responsibilities. California’s workers’ compensation insurers continue to collect premiums from California’s employers all to increase their profits while California’s injured workers ultimately have to rely on taxpayer-funded systems.

A recent U.S. Department of Labor report (“Does the workers’ compensation system fulfill its obligations to injured workers?” – Oct. 5, 2016) outlines the troubling condition faced by injured workers because state-sponsored workers’ compensation programs throughout the nation are failing to provide even rudimentary benefits.

“Other social benefit systems … have expanded our social safety net, while the workers’ compensation safety net has been shrinking. There is growing evidence that costs of workplace-related disability are being transferred to other benefit programs, placing additional strains on these programs at a time when they are already under considerable stress.”

For example, here in California, benefits paid to injured workers to replace lost wages during the time off needed to recover from an injury have been capped at 104 weeks. The consequence of this is that those most seriously injured who do not recover in that amount of time face severe financial pressures. With no other similar benefit available, the burden to survive falls on the disabled worker, and ultimately the taxpayers.

The labor department report calls for an increase in the federal role of oversight including the appointment of a new national commission and establishment of minimum standards.

Business owners and employers should all be contacting their legislative representatives and demanding an end to this continuing degradation of rights and benefits to our hard-working labor force.

I am not a proponent of federal intervention into our states workers’ compensation system; however, this report should serve as a wake-up call to all of us. If we do not take care of our injured workers, then the threat of big government casting its shadow across our Golden State looms large in our foreseeable future.

James A. Yoro is a certified workers’ compensation attorney, a senior partner at the Bakersfield-based injury and workers’ compensation law firm Chain | Cohn | Stiles, and has nearly 40 years of experience in the practice.

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If you or someone you know is hurt on the job, contact our workers’ compensation attorneys by calling (661) 323-4000 or chainlaw.com.

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*NOTICE: Making a false or fraudulent Workers’ Compensation claim is a felony subject to up to 5 years in a prison or a fine of up to $150,000 or double the value of the fraud, whichever is greater, or by both imprisonment and fine.

CCS attorneys to host auto, home insurance workshop for KSFCU members

July 8, 2015 | 10:01 am


You may not think of the deductibles and liability limits on your insurance policies as part of your financial strategy. But they could make a difference in your overall financial picture, according to Kern Schools Federal Credit Union. Consider them “expenses in waiting” — potential costs that you should be prepared to face.

And it can be difficult to navigate the through the overwhelming number of insurance choices available. Chain | Cohn | Stiles and Kern Schools Federal Credit Union are partnering to help you decide.

A complimentary workshop for Kern Schools Federal Credit Union members will be held from 6 to 7:30 p.m. on Thursday, July 16, at Kern Schools’ Administrative Offices, 11500 Bolthouse Drive, off Buena Vista Road, one mile south of White Lane.

As part of the workshop — titled “Auto and Home Insurance: How to protect you and your family” — Chain | Cohn | Stiles attorney Matt Clark and Neil Gehlawat will help credit union members these tough questions:

  • How much insurance should you have?
  • How much should you pay?
  • Is your family fully protected?

The attorneys will focus on several auto and home insurance topics including uninsured and underinsured motorist insurance, umbrella policies, what liability means, first- and third-party insurance and much more.

As an example, the attorneys at Chain | Cohn | Stiles represent many people have been involved in auto accidents. And many times, he receives calls from people who have been injured by someone who didn’t have any insurance at the time of the accident.

Due to the accident, the injured client has had to miss work and has medical bills to pay.

“What do you do to protect yourself?” Clark said recently on a Bakersfield radio show. “When you buy insurance, one of the cheapest things you can buy is uninsured motorist coverage. You want to have limits that can cover you in case someone hits you.”

Clark recommends drivers purchase a $100,000 over $300,000 auto insurance policy at a minimum to protect yourself. The policy allows you to collect from your insurance company to recoup your damages that exceed the responsible party’s limits. It’s not expensive to get, Clark says, and can protect you and your family in the case of an accident while walking, running, or riding a bike. You don’t have to be behind the wheel to take advantage of the policies.

All attendees of the workshop will receive a voucher for a free notary and legal consultation from Chain | Cohn | Stiles. Additionally, the personal injury and workers’ compensation* law firm will provide special goodies to attendees.

To register for the workshop, visit the Kern Schools Federal Credit Union webpage here, and fill out the simple form.

And for more information on Chain | Cohn | Stiles, or to contact the attorneys about your case, call 661-323-4000, or visit the website chainlaw.com.

CCS on The Groove: The importance of having uninsured motorist coverage

September 29, 2014 | 11:23 am


What should you do when you’re in a car accident, the other driver is at fault, and he or she has little or no auto insurance?

Knowing what to do when you are in a auto accident can be difficult, especially with complex insurance policies involved. If the driver at fault does not have insurance, or very little, you may have a difficult time obtaining compensation for damages suffered in the accident.

That’s why it’s important for you to purchase an insurance policy that includes coverage for “uninsured motorists” and “under-insured motorists.”

Bakersfield car accident attorney Matt Clark recently appeared on The Groove 99.3 (KKBB) with Sheri Ortiz to discuss the issue, and give advice to listeners on insurance policies.

You can listen to the two segments here:

As personal injury lawyer at Chain | Cohn | Stiles, Clark represents a lot of people who are involved in auto accidents. Many times, he receives calls from people who have been injured by someone to didn’t have any insurance at the time of the accident.

Due to the accident, the injured client has had to miss work and has medical bills to pay, for example.

“What do you do to protect yourself?” Clark asked listeners on The Groove. “When you buy insurance, one of the cheapest things you can buy is uninsured motorist coverage. You want to have limits that can cover you in case someone hits you.”

Clark recommends motorist purchase a $100,000 over $300,000 auto insurance policy at a minimum to protect yourself. The policy allows you to collect from your insurance company to recoup your damages that exceed the responsible party’s limits.

“It’s not expensive to get that coverage and it protects you,” Clark said.

The uninsured and under-insured policies also cover you and your family in the case of an accident while walking, running, or riding a bike — you don’t have to be behind the wheel to take advantage of the policies, Clark said.

It’s important to note, Clark said, that many times, drivers have to specifically ask their insurance policy companies that uninsured and under-insured be added to policies.

While on the air, Clark and Ortiz received a call from a woman who was involved and injured in an auto accident, after the other driver ran a red light, she said. She took advantage of her uninsured motorist policy, which helped her out tremendously, she said.

“It’s definitely important,” Amanda said on the show. “I had uninsured motorist, and I will never get insurance without uninsured motorist ever again. Without having uninsured motorist, you’re going to be stuck.”

Added Clark: “It’s my job as a lawyer to make sure that my clients are fairly compensated, not only for the injuries they have right now, but for the injuries they may have in the future.”

Filing an uninsured motorist claim can often include complex legal issues that require the assistance of a lawyer experienced in dealing with insurance companies. The lawyers at Chain | Cohn | Stiles can help. Call for a free consultation at 661-323-4000, or visit the personal injury and workers compensation* website Chainlaw.com.

To learn more about uninsured motorist policies and their importance, visit the Frequently Asked Questions page on chainlaw.com.

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*NOTICE: Making a false or fraudulent Workers’ Compensation claim is a felony subject to up to 5 years in a prison or a fine of up to $150,000 or double the values of the fraud, whichever is greater, or by both imprisonment and fine.