What To Do if Injured by an Uninsured Driver? Let’s Find Out!

California law and your legal options

There is a minimum coverage amount that a driver must carry on their auto liability policy to cover bodily injury and property damage. If they don't follow the vehicle code, they may have to pay fines, face license suspension, or have their vehicle impounded. Uninsured drivers may face severe penalties. However, victims also struggle in these cases and may need to find alternative sources of coverage. When you consult a San Diego car accident attorney, you can learn about your options. Many people think filing a lawsuit is the best decision. While a judgment may be issued in your favor, you may not be able to recover money if the at-fault driver does not have sufficient assets or insurance.

Alternatively, your lawyer can help you seek compensation through uninsured motorist (UM) coverage. This coverage is available when the at-fault driver is uninsured. Many auto insurance policies offer this coverage by default unless it is declined in writing. If you did not cancel or reject it specifically, you may be able to file an uninsured motorist claim. It can help cover your actual losses depending on the policy limits. This arrangement can be especially helpful in cases where expensive medical treatment is required due to serious accidents.

Uninsured and underinsured motorist coverage

It's not easy to claim money from an insurer, no matter how valid your case is. That's why lawyers should be consulted. They can help you submit the necessary documents for claim approval. Just make sure your insurance company is aware of the accident. You will have to show your losses and prove that the at-fault party doesn't have enough insurance or assets to cover the damages. Upon approval, you can be compensated for medical bills, lost income, pain and suffering, property damage, etc. The amount will be paid in accordance with your policy limit.

Nevertheless, the number of uninsured drivers in California is high. The Insurance Research Council suggests that nearly 17% of drivers in the state may be uninsured. The figures can be higher in urban areas such as San Diego, where population density and economic disparities are more common.