You’ve just been in a crash that wasn’t your fault. As you exchange information with the other driver, you make a troubling discovery. They don’t have insurance.
Suddenly, you’re wondering who will cover your mounting medical bills, lost paychecks and car repairs. To understand your options, you first need to know how California handles these situations.
California holds at-fault drivers responsible
California follows an at-fault system for car accidents. This means the driver who caused your crash must pay for your medical bills, lost wages and vehicle repairs. In theory, this system protects you as the innocent party. However, it only works effectively when the at-fault driver actually carries insurance. So what happens when they don’t?
When the at-fault driver lacks coverage
Even without insurance, the at-fault driver still legally owes you compensation. Unfortunately, they probably cannot afford to pay you directly. This is where your own uninsured motorist coverage can protect you.
This optional add-on to your auto insurance policy specifically protects you when drivers with no insurance cause accidents. It covers your medical expenses, lost income and other damages when the at-fault party cannot. But what if your coverage isn’t enough?
What if your own insurance falls short?
However, there may be instances when your own uninsured motorist coverage may not cover all your costs. You might not even have this coverage on your policy.
In these cases, you still have another option available. You can file a lawsuit against the at-fault driver and the court can order them to pay you directly. Keep in mind, though, that collecting this money may prove difficult if they lack assets. That’s why seeking professional guidance becomes essential.
Explore your options with legal help
Consider reaching out to a personal injury attorney immediately after your accident. They can help you thoroughly review your insurance policy and identify all available options for compensation.
An attorney can negotiate with insurance companies on your behalf and file lawsuits when necessary. Most importantly, they fight to ensure you receive every dollar you deserve for your recovery.
