Personal Injury Traffic Accident Lawyer Sally Morin discusses an issue that is hugely relevant to her practice as a Personal Injury Attorney.

On a regular basis, I come across wonderful people who are badly injured in accidents by drivers who are either uninsured or underinsured. Do you know that 25% of California drivers carry absolutely NO auto insurance? In San Francisco it’s only slightly better. Almost 22% of San Francisco drivers carry no auto insurance. Even if a driver is carrying auto insurance, it is highly likely that he or she is only carrying minimum coverage, which in California is $15,000. If you break this down, you are looking at a ONE IN THREE chance that a California driver is either uninsured or only has the state minimum of $15,000.

What this means is that if you are injured by someone who is carrying only the minimum limits, the maximum you can recover from their insurance, regardless of the severity of your injuries or the cost of your medical bills, is $15,000. This minimum is ridiculous! $15,000 has been the California minimum for many many years. This is yet another example of how the insurance industry is making billions of dollars by limiting what they pay on claims. By lobbying to keep the state minimum low, insurance companies can continue to pay out these small amounts. At this point, there is no significant political movement to have the state increase the minimum coverage requirement.

This is really unfortunate, because an ambulance ride and a visit to the Emergency Room can easily exceed $15,000. If you are seriously injured by somebody who is carrying the state minimum, there will not be enough money to compensate you for your medical bills, let alone any loss of earnings you suffer or the pain and suffering and inconvenience you have endured.

Look for my next video where I discuss my recommendations for how you can protect yourself from uninsured and underinsured drivers who are out there on the road every day.

If you have any questions about a particular personal injury case, please submit your case for review by a top-notch personal injury traffic accident lawyer at Sally Morin Personal Injury Lawyers.

This video and accompanying text is not intended to be a source of legal advice for any purpose. Prior results do not guarantee a similar outcome. The information in this video and text does not constitute a guarantee, warranty or prediction regarding the outcome of your case.

Accident Client

“Last March, my partner was struck by a vehicle while crossing the street. During this difficult time of healing, we knew that bills were going to pile up and his was going to be a long process. After looking at multiple law firms, we knew that Sally Morin Personal Injury Lawyers was going to be the best place to work with. Lauren and her team were patient, supportive and caring during his difficult time. His schedule was always busy with work and doctor appointments that his main source of communication was through email. Lauren and her team made it to where he didn’t have to worry about anything but just sending over the paper work he got from the hospital, and other bill collectors involving his incident and they worried about the rest.

Because of all their help my partner Aaron, was able to heal with less worries on his shoulders. By end of December, everything was settled and we were pleased with the results. I’d like to give a huge thank you to Lauren & the Sally Morin team. If you’re looking for a law firm for your incident, I’d definitely look at this law firm.”

We're here to help with your Personal Injury claim

Check out our Personal Injury FAQ Page to learn more about how the process works.

We Handle Your Personal Injury Accident Claim So You Can Focus on Your Life

After an injury, contact the attorneys at Sally Morin Personal Injury Lawyers. We handle many areas of the law, including pedestrian and car accidents that involve speeding. We believe you should be able to focus on recovering while we handle the legal details.

We truly care about the people of San Jose and all of California. Contact us today for a


It is essential to know your rights after a traffic accident so you can protect yourself and the value of your claim.
This guide will help you:

  • 1Know what to do when dealing with insurance claims, police reports and lawyers.
  • 2Avoid making mistakes that undermine the value of your claim
  • 3Put yourself in a position to get the best settlement possible