Most states in the U.S. have insurance laws that every driver should be aware of. Normally, it is essential to have a car insurance before getting behind a wheel. In California, if you are pulled over and you do not have a car insurance, you will face serious charges and penalties, and potentially even lose your driver’s license.
One thing that really complicates everything is getting caught in a car accident with someone who has no car insurance. What do you do in such a situation?
If you get hit by an uninsured driver, you really only have 3 options:
- Collect damages from your uninsured motorist coverage
- Collect damages from your underinsured motorist coverage
- Collect damages from your collision coverage
Uninsured Motorist Coverage
California laws do not require you to carry uninsured motorist coverage. However, your insurer should mention it and offer it to you when you purchase your regular car insurance. Basically, it is a coverage that will help you when you get involved in a car accident with an uninsured driver.
Since the uninsured driver probably has no money at all, the chances are that you won’t get a single dime even if you sue the driver. However, you should still call the police and have them arrive at the scene as quickly as possible. You are going to need the copy of that police report.
The next thing you should do is exchange the information with the other party. This includes all personal information related to the accident:
- Full name
- Home address
- Insurance info (if there is any)
- Car information (model, license plates, color, type)
If there are witnesses present, be sure to take their contact information as well. Once you have done everything, contact our Car Accident Attorneys in San Diego and explain the situation to them. They will know what to do even if the other party has no insurance coverage. After that, contact your insurance company.
Assuming that you do have Uninsured Motorist Coverage, you will be able to obtain some damages from your own insurance company. However, most drivers in California don’t have this type of coverage and are left to struggle with the aftermath of a car accident. You may have Collision coverage, which will cover for the damages to your vehicle. Speak with your insurance company and consult with your attorney and you will know what to do next.
The insurance companies will try to minimize their payments even if you have all the necessary insurance. For that reason, you are going to need an attorney, someone with experience in handling these situations. This is where our San Diego Car Accident Attorneys come into play. Give us a call today, schedule your initial consultation (completely free of charge) and learn how you can seek compensation from your insurance company if you get involved in a car accident with an uninsured driver.
Don’t give up, there is always a way to obtain compensation for your damages. Let us help you find it.