What If The Other Driver Has No Insurance In California?

A practical guide to uninsured and underinsured driver accidents in California, including insurance coverage options, common mistakes, and when to contact a lawyer.

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Uninsured And Underinsured Driver Claims

If the other driver has no insurance or not enough insurance, your own auto policy may provide uninsured motorist or underinsured motorist coverage. These claims can be complicated because your own insurer may still evaluate the claim defensively.

Check Every Possible Coverage Source

Potential coverage may include the at-fault driver, vehicle owner, employer, rideshare company, household policies, your own UM/UIM policy, medical payments coverage, health insurance, or other responsible parties.

Do Not Assume There Is No Recovery

Many people wrongly believe there is no case if the other driver is uninsured. A lawyer can review insurance policies, household coverage, permissive-use issues, employer liability, vehicle ownership, and other possible defendants.

Preserve Your Own Insurance Rights

Notify your insurer promptly, but be careful with recorded statements and broad medical authorizations. Your own insurer may owe duties under the policy, but disputes can still arise about fault, injury severity, and damages.

When To Call A Lawyer

Call early if you were injured, the driver fled, coverage is denied, the insurer says there is no UM/UIM coverage, the claim involves serious medical care, or settlement offers do not reflect your losses.

Frequently Asked Questions

What is uninsured motorist coverage?

Uninsured motorist coverage may apply when an at-fault driver has no insurance, or in some hit-and-run situations depending on the policy and facts.

What is underinsured motorist coverage?

Underinsured motorist coverage may apply when the at-fault driver has insurance, but the policy limits are not enough to cover the injury losses.

Can I make a claim against my own insurance company?

Yes, if your policy includes applicable coverage. However, your insurer may still dispute fault, injury severity, medical treatment, or damages.

Should I speak to a lawyer after an uninsured driver crash?

Yes. An attorney can identify all potential coverage sources and protect you from missing deadlines, policy requirements, or settlement mistakes.

Important Note

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