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What If the Driver Who Hits Me Doesn’t Have Insurance?

While all drivers are required to have some form of insurance coverage, not all abide by this law. In fact, 13% of all drivers on the road are uninsured. Statistically speaking, this means that if you are involved in a car accident, there is about a 1 in 8 chance that the other driver does not have insurance.

Unfortunately, this leaves many injury victims in a stressful dilemma when the other driver was the one who caused the accident. If they don’t have any insurance or enough coverage to pay for your total damages, you should contact a local injury attorney who can help you handle the claim.

Steps to Take After an Uninsured Motorist Accident

In cases of uninsured motorist accident, you will likely have to go through your own insurance company to get your damages paid for. As soon as possible, you should contact your insurance provider to report the accident and see how your own coverage applies.

Read our blog to learn more about auto insurance coverage in California.

Depending on your specific coverage, you may have a few different avenues to go down after being injured in a car accident:

  • Collision Coverage

  • Medical Payments Coverage

  • Health Insurance

  • Uninsured Motorist Coverage

If your damages are not entirely covered after exhausting every coverage amount that you have, your next legal recourse would be to file a lawsuit against the at-fault driver. In this case, their assets may be liquidated, their wages may be garnished, or a payment plan may be set up to ensure that their debt and your damages are paid.

Protecting Those Injured By Uninsured Drivers

For help pursuing compensation against an uninsured or underinsured driver, our firm is here for you. At the Law Offices of Larry S. Buckley, we dedicated to holding responsible parties accountable for their actions while helping our clients obtain the compensation they need to physically and emotionally recover. We will review the specifics of your accident to determine the best court of legal action and fight hard for your maximum compensation.

Contact our firm at (530) 413-0245 to schedule your no-fee, no-obligation case review. If you are social distancing at this time, we can provide you with a phone or video consultation.