Although California law requires all motorists to be insured while they are driving on public streets and highways, the sad truth is that many drivers aren't insured. In fact, a recent report from the Insurance Research Council included the alarming fact that 15 percent of California drivers do not have insurance.
If you are unfortunate enough to be involved in an accident with an uninsured driver, special laws and insurance laws apply. The uninsured driver will, in most cases, be liable for the injuries and damages caused. Without an insurance carrier to pay the bills and damages, however, you will be left with no easy remedy against the at-fault driver. He or she will not be able to call upon an auto insurance carrier to defend against any resulting lawsuits or to pay any settlement or award of damages resulting from litigation.
Uninsured Motorist Coverage
If you have uninsured motorist coverage on your own insurance policy, your carrier may "stand in the shoes" of the at-fault driver and provide coverage for your injuries and damages, but beware! Your carrier will act just as if they were insuring the other driver. You will definitely need an Antelope Valley car accident lawyer on your side to present your claim in the highly specialized, binding, uninsured motorist arbitration hearings that are held to settle claims of this nature.
In the event that you happen to be the uninsured driver in an auto accident and the accident was not your fault, you may still be able to recover some damages for medical expenses and damages to your vehicle. California law will, however, bar you from making a claim for "pain and suffering" damages. Sometimes, an uninsured driver will be eligible for coverage under another person's policy. For example, he or she may be a dependent residing in the household of an insured driver or may be working for an insured employer at the time of the accident. You will definitely need a lawyer who is experienced in uninsured motorist claims to help you navigate the laws and rules that are unique to this type of claim.
Contact Accident Attorneys for a free case evaluation!