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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.




Our founder, attorney Eric D. Paris, has represented injured people in Southern California for more than 22 years. Prior to founding The Paris Firm, Mr. Paris worked as an insurance defense lawyer, which gave him great insight to the insurance companies evaluation of claims and their tactics to minimize your recovery for your injury matter. You will personally meet with an attorney and your case will be handled by an attorney with the assistance of our paralegals and support staff.

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Our Clients

We develop personal relationships with our clients. We will get to know you and your family. At The Paris Firm, you will never be treated as a number or a case file. We have earned the trust of our clients by treating them the way we would treat a member of our own family. We get to know our clients on a personal level which allows us to best present your side to the jury.

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It is extremely important to obtain the right medical care after you suffer an injury. Sometimes it’s difficult to identify and find the type of specialist you need. The Paris Firm has a large network of medical specialists who can provide you the care you need with no out-of-pocket expense.

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What You Deserve

Our goal is to obtain maximum financial compensation for our clients. Sometimes that means taking your case to Trial. You do not have to settle for a law firm that always settles out of court for less than a case is truly worth. When it is in your best interest, The Paris Firm will hire the best experts and utilize all of our resources and take your case to Trial and present your matter to a jury.

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You can rest assured that your legal matter will be handled with the highest degree of professionalism and care with our state of the art technology. Our firm uses cutting edge technology with software and presentation tools which enable us to make a compelling case on your behalf at trial or in mediation.