For most drivers in California, their car is something they simply cannot live without.Whether its used to drive to work, school, or simply for entertainment, there is no denying that Californians love their cars.
However, driving a vehicle is the most dangerous activity most people engage in on a daily basis. According to recent National Highway Traffic Safety Administration research, see http://www.nhtsa.gov/., there were over 32,000 traffic fatalities (in auto accidents) in the United States in 2011, with an expected fatality increase of 5.3% for 2012. Millions are injured every year.
The good news is that most drivers are covered by auto insurance, which can compensate those injured for their losses in an auto accident. The bad news is that too many drivers are still either uninsured, or under-insured. This means that while they have purchased some insurance, their policy is insufficient to compensate those injured in an auto accident. California law requires all drivers to purchase liability insurance, but California’s minimum policy requirement is one of the lowest in the country. Minimum liability limits in California are currently set at $15,000/$30,000/$5,000, which means that a negligent driver is liable to accident victims in the amount of $15,000 for personal injury per person, $30,000 for injuries per accident, and $5,000 for all property damage arising out of the accident. Many drivers shop around for car insurance, ultimately settling on the cheapest policy possible. The problem with this approach is that in the event that driver is liable for a serious accident, the coverage they have purchased may be insufficient to cover the injuries they have caused to another. By attempting to save money by purchasing a minimum-limit policy, the responsible driver may have just put his or her personal assets at risk.
Despite laws mandating that every driver in California have at least the minimum liability limits detailed above, some sources estimate that nearly 1 in 4 California drivers carry no insurance coverage whatsoever. Worse yet, uninsured drivers are estimated to be involved in nearly half of all collisions in the state.
You are a safe and responsible driver because you always wear your seatbelt and have purchased liability coverage. But how do you protect yourself in the event that you are hit by an uninsured or underinsured driver? The answer is Uninsured Motorist or Underinsured Motorist coverage, frequently called “UM/UIM” coverage. By purchasing this optional coverage, prudent drivers protect themselves in the event that they are involved in a serious accident with an uninsured driver. In the event of such an accident, the prudent driver would simply file a claim with his or her own insurance company, up to the UM/UIM limits that they have purchased. While this coverage is optional in many states, the importance of purchasing a UM/UIM policy with decent limits cannot be understated, given the amount of uninsured drivers in California.
AT THE TARASENKO LAW FIRM, WE KNOW THE PAIN AND STRESS THAT A CAR ACCIDENT CAN CAUSE FOR YOU AND YOUR FAMILY. OUR ACCIDENT ATTORNEYS ARE PROFESSIONALS WHO WORK HARD FOR YOU SO YOU CAN FOCUS ON YOUR RECOVERY. CALL THE TARASENKO LAW FIRM AT (916) 542-0201 FOR A FREE CONSULTATION.
“Professional and efficient.”
“Mr. Tarasenko was referred to me by a friend who provided me with a positive recommendation. As a paralegal professional myself, I have a much higher expectation of those who practice law than typical clients, so I was pleasantly pleased by his professionalism and knowledge. Pursuing a personal injury case can be a daunting and intimidating task, but he was efficient and kept me well informed during the process. My case had several issues and difficulties, but his research capabilities and diligence to find solutions were excellent. I will most certainly use his services again.”
“They were absolutely marvelous!! They handled my case with care and kept me updated. They even got the number I was looking for!! Thanks Angie and Kirill!!”
– Sacramento Client
“I felt like my case was handled peacefully and professionally. This was my first major car accident. I had no idea what to do. Paralegal Angie was amazing as she walked me through every single step of the way. She was very knowledgeable, patient, and down to earth. When l met Kirill for the first time, I felt at ease. His calm demeanor, helped me feel less nervous. Kirill patiently took the time to answer my questions. Towards the end of my case, l knew l was in good hands.”
– Daly City Client
“Fought Hard for Me”
“Kirill Tarasenko is an amazing attorney! After my accident I had no idea what to do. I called around, and talked to few a law offices. I decided Kirill was the best fit for me. He made me feel very comfortable. He explained everything to me in easy to understand terminology . He helped me find an excellent doctor . He also made sure I got the most out of my settlement. Kirill fought hard for me!”
– Kimberly from Sacramento
“Best Possible Outcome”
“Kirill Tarasenko was my Lawyer and worked on my Auto accident case for the past 2 years, and he was a true professional in his field in every sense of the word. He never promised me any particular results, but he did promise that he would work hard and to the best of his abilities to provide me with the best possible outcome. My case was a very difficult and complicated case, and as far as I remember, no other attorney showed interest to accept my case. My case had been turned down by three other lawyers, but when I contacted Tarasenko Law Office, Kirill accepted my case and he stated that he likes to help people.
Kirill is a thoughtful, caring, and knowledgable attorney. I also consider him ethical and trustworthy , and I would not hesitate to contact him regarding legal matters in the future. Thanks for all of your help Kirill & Angie.”
– Sammy from Napa