When the at-fault driver has no insurance, your own policy may be the key.
One in Six Drivers Is Uninsured
A large share of California drivers carry no insurance. When one causes your crash, the at-fault driver may have nothing to pay your damages.
Your own coverage often becomes the key.
Your UM Coverage Steps In
Uninsured motorist coverage from your own policy can pay for your injuries when the at-fault driver has no insurance.
It is protection you have already paid for.
Filing a UM Claim
A UM claim is made with your own insurer, but the company may still dispute the value of your injuries.
Documentation strengthens your position.
Disputes With Your Own Insurer
Even on a UM claim, your insurer's interest is to pay less. Disputes may go to arbitration under the policy.
Being prepared helps you get fair value.
Other Possible Sources of Recovery
Beyond UM coverage, other parties or policies may sometimes contribute, depending on the circumstances of the crash.
Exploring every source maximizes recovery.
Protecting Yourself in Advance
Carrying solid UM/UIM limits is the best protection against California's many uninsured drivers.
A free case review can explain your options after an uninsured-driver crash.
This article is for general informational purposes only and is not legal advice. Laws change and every case is different. For advice about your specific situation, consult a licensed California attorney.