What Happens When an Uninsured Driver Hits You?

If you have just been in an accident, you probably know that the first thing you should do, besides calling the police, is to exchange insurance information with the other driver.  What happens if the other driver doesn’t have insurance?  How about if they have insurance, but not enough to cover the damage they have done to you?  These two situations are more common than you might think.  All is not lost, though; it is still possible to recover your losses from the accident.

California drivers must carry liability insurance or otherwise prove that they can cover any damages that they might cause on the road.  Yet, just three years ago, a survey showed that around a quarter of California drivers do not carry insurance.  This means there is a good chance that after an accident of which you share none of the fault, you may carry all of the responsibility.

The best way to protect against the added cost and headache of dealing with the implications of another driver’s poor choices is to purchase uninsured/underinsured motorist coverage.  When this insurance is available, it often stipulates all sorts of hoops that you have to jump through in order to receive compensation.

Because of the intricacies of insurance law and the implications of failing to properly follow all steps, say the right things to your adjuster, and ensure that they hold up their obligations to you, it is highly recommended you speak with a lawyer before you pursue your claim.  Even if you succeed in filing a claim, you need someone on your side who has experience with insurance companies to make sure that they are not cheating you with a low settlement because unfair compensation is simply unjust.

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