Getting into a car accident is stressful enough, but finding out the other driver doesn’t have insurance adds another layer of complexity. It is important to know what you should do and what you can expect if you’re in this situation.
Assess the situation
First, ensure your safety, check for any injuries, and call 911 if needed. If you are confident there are no injuries, you can call the phone number of your local police station. Even if the accident seems minor, you will need to have a police report for insurance claims, especially with an uninsured driver involved.
Contact your insurance company
After ensuring everyone’s safety and speaking with the police, call your insurance company. If you have uninsured motorist (UM) coverage, you’re in a better position. This policy is to cover medical bills, property damage, and even lost wages if an uninsured driver hits you.
Understand your coverage
In California, insurance companies must offer UM coverage as part of every auto insurance policy. You can decline it in writing, but it’s a good idea to have it. If you do, it can significantly ease the financial burden of the accident. Review your policy to understand the limits and types of coverage you have.
Document everything
Keep detailed records of all your interactions related to the car accident. This includes police reports, medical records, communications with your insurance company, and any other related expenses.
Navigating the aftermath with confidence
Being hit by an uninsured driver in California can be daunting, but understanding your insurance coverage and legal options can help you navigate the situation more effectively. Contact us for a consultation if you want to explore your legal options after a car accident with an uninsured driver.
