After getting involved in a car accident, you’ll feel a rush of emotions. You can get angry, sad, and nervous. You try to remain calm to talk to the driver at fault and exchange information. But it gets more frustrating when you find out that driver at fault has no insurance. Suddenly, you have no idea on who’s going to pay for the car repairs and possible medical bills.
However, you still have several options to consider.
If the driver at fault has no insurance, you will have to turn to your insurance company to cover the damages. One of your options is to use the Uninsured Motorist Coverage (UIM). UIM is a policy add-on coverage that you can purchase from your insurance company. In California, all drivers are required to have a UIM. This coverage can provide the compensation you need for your car damages, medical bills, and even for other economic losses.
Another policy add-on coverage that you can use is the Collision Coverage. But keep in mind that this only cover vehicle damages. If you suffered injuries and you have medical bills, you will need to find other sources to cover it.
And for a traditional negligence state like California, you also have the option to file a lawsuit. But even if you prove that the other driver is at fault, there is no guarantee that you can get the compensation you deserve. Often, uninsured drivers don’t have much in the way of money or ability to pay for the damages.
To guide you in negotiating with your insurance company and the driver at fault, it is best if you get the help of an experienced car accident lawyer.