What if the other party doesn’t have enough insurance?

In the state of California, if the other party involved in an accident does not have enough insurance to cover all of the damages, the victim of the accident may be able to still receive compensation. This is known as “underinsured motorist coverage”. Underinsured motorist coverage is an optional form of insurance that is often offered by insurance companies and is used in situations when the at-fault driver does not have enough coverage to completely cover the damages. If the victim of the accident had underinsured motorist coverage, then their insurance company will provide them with the additional coverage needed to cover all of the damages. The amount of coverage offered by underinsured motorist coverage depends on the terms of the victim’s insurance policy. Additionally, underinsured motorist coverage is also known as “uninsured motorist coverage”, and if the at-fault driver had no insurance at all, then the victim can use this type of insurance to receive compensation. If the victim of an accident did not have underinsured motorist coverage and the at-fault driver did not have enough to cover the damages, then the victim may have to take legal action against the at-fault driver. This may involve filing a lawsuit against them. The victim may also be able to recover any unpaid damages from the at-fault driver’s property, such as their car or house. In California, it is important to understand the laws related to accident law and to consult with a lawyer if you are ever involved in an accident.

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What if the other party doesn’t have enough insurance?

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