Who Pays for Your Damage If the Party at Fault Has No Insurance?
You’re required to carry liability insurance on your vehicle, but many people in California assume they won’t get caught. They skip out on getting coverage. Even though this is illegal, they may only get caught if they are pulled over or involved in a car accident.
For a driver involved in an accident with someone like this who has skirted their legal responsibility, it can be devastating to discover that the typical insurance process is affected. If you have your own uninsured motorist insurance, however, you can still benefit even if the other driver didn’t carry anything at all.
Have you recently been involved in a vehicle accident in California? If so, you likely have questions about what happens with your car accident claim, particularly if the other party does not have insurance.
If you purchase uninsured or underinsured motorist coverage, you will be protected in the event that the other party does not have the necessary insurance coverage to protect you. Uninsured motorist coverage is an add-on you can purchase from your insurance company and it helps you in these exact situations. According to some research, approximately 15% of California’s drivers are uninsured. While it is illegal to drive without insurance, people still choose to live dangerously.
Since California is a tort state, someone must be identified at fault before determining who is responsible for injuries. There are several different ways to pay for damages caused by a California car accident and these include health insurance, collision coverage and medical payments coverage and uninsured motorist coverage. All drivers are responsible for carrying uninsured motorist coverage in California.
It can cover vehicle damage, economic losses like pain and suffering and lost wages. There are limits to these policies, however, and you may be responsible for hiring a car accident attorney in California to file a lawsuit after you have explored all of your options for getting compensation through your own insurance company directly. Contact the Paris Law Firm if you need help at 909-469-5127 or via our online contact form to get started today.
The articles on this blog are for informative purposes only and are no substitute for legal advice or an attorney/client relationship. If you are seeking legal advice, please contact our law firm directly.