Have you ever wondered what happens if you were hit by a driver with no insurance? It is a frightening scenario that happens more often than you might think. In California, around 17% of drivers are uninsured—that is nearly one in six vehicles on the road.
When the standard path to compensation disappears, you still have options. Here is what you need to know.
Personal injury lawsuits
While the at-fault driver may lack insurance, they do not escape responsibility. You can file a lawsuit directly against them to recover damages. However, be aware that collecting on a judgment can be challenging if the driver has limited assets.
Your own insurance coverage
Your policy might be your best ally:
- Uninsured motorist coverage (UM) can pay for your injuries
- Collision coverage handles your vehicle repairs
- MedPay or personal injury protection (PIP) can address immediate medical needs
These coverages work regardless of who caused the accident. This can create a safety net when dealing with uninsured drivers.
Health insurance as a backup
Do not overlook your health insurance. While it will not cover property damage, it can significantly reduce your medical expenses. Some policies even include special benefits for accidents.
California’s low-cost auto insurance program
For those worried about their own coverage, California offers affordable insurance options for eligible low-income drivers, protecting you from becoming uninsured yourself.
Umbrella policies: Extra protection
These supplemental policies extend beyond standard coverage limits and can be lifesavers in serious accidents.
Do not face this challenge alone
Remember, time is critical after any accident. California’s statute of limitations gives you just two years to file a personal injury claim against a non-governmental entity. Do not try to handle these complex matters alone. Our experienced attorneys can help identify all possible recovery avenues when insurance is not an option. Contact us today for a free consultation.
