If you are driving and get into an accident, you may automatically think to make an insurance claim. If you go to do so and realize that the other driver is uninsured or has a minimal policy, you may find yourself in a difficult situation. If they don’t have the money to cover your financial losses, then you could have to sue or pay for those losses out of pocket.
California has specific car insurance requirements that state that each person must carry $15,000 for injury or death to one person, $30,000 for the injury or death of more than one person and $5,000 for property damage at a minimum. If a driver doesn’t have this coverage at all, then they are uninsured. If they have this liability coverage but not enough to cover your claim, then they may be classified as underinsured.
What do you have to do if a driver doesn’t have insurance after a crash?
When a driver doesn’t have insurance, your option is to file a lawsuit against them directly. You may also pursue compensation through your own insured or underinsured driver policy if you have one.
What can you do if the driver is underinsured?
In the case of getting into a crash with an underinsured driver, you should make your claim against the insurance company. Then, you may continue suing the driver for any compensation that isn’t available to you because of their low-value insurance policy. While the insurance company won’t be responsible for paying more than the policy limits, you can hold a driver accountable in some cases.
After an auto accident, you deserve the opportunity to be fairly compensated
It is harder to make a case for compensation when you’re dealing with an uninsured driver, but that doesn’t mean that you can’t seek the compensation that you need to repay medical debts or to cover financial losses you’ve suffered as a result of their negligence or reckless behaviors. With the right support and information, you may be able to pursue a lawsuit to help you get as much additional compensation as possible.