It is estimated that approximately 20% of drivers in California DO NOT HAVE INSURANCE!!! This begs the question, what happens if I get in a car accident with an uninsured driver?
If someone causes a car accident they are legally responsible for the damages they have caused. Damages according to California law include property damage to your vehicle, medical expenses, lost wages, and pain & suffering to name a few. The dilemma is how to you get compensated for your damages from the uninsured driver. Most drivers who do not have insurance do not have assets for you to go after. Therefore, you may be stuck asking your own insurance to pay to fix your car and compensate you for your injuries. This situation may also arise if you get hit by someone who has a small policy limit.
The best way to ensure that you will be compensated in the unfortunate event that you are hit by an uninsured vehicle is to protect yourself by purchasing your own insurance.
First, make sure that your own coverage for property damage on your vehicle. Second, purchase uninsured/underinsured motorists coverage for bodily injuries. This will give you coverage if you get injured in a car accident and are entitled to compensation.I know most people want to get the cheapest insurance premiums possible, but you get what you pay for. Most insurance companies won’t charge that much to have the additional coverage to protect yourself from uninsured and underinsured drivers. Spend a little more and make sure that you protect yourself.
Remember, if you get hit, you have a 1 in 5 chance that the at fault party will not have insurance!
If you or a loved one has been involved in an auto accident that was caused by someone who does not have insurance or just have questions about your current insurance coverage, give us a call. Our Carlsbad personal car accident attorneys will answer your questions free of charge.