What should I do if the driver who hit me doesn’t have insurance?

If the driver who hit you does not have insurance, the first thing you should do is file an uninsured motorist claim with your insurance company. In the state of California, all auto insurance policies must include uninsured motorist coverage. This coverage will pay for your medical bills and other damages that the uninsured driver caused. You can also file a lawsuit against the uninsured driver. This is more complicated and may involve an attorney. If you win, the driver will be ordered to pay you compensation. However, if the driver doesn’t have the funds or assets to pay you the amount awarded by the court, you may not actually receive the money you are owed. It is important to remember that even if the driver has no insurance, you are still responsible for any damage to your own vehicle. You may be able to claim this cost in addition to any other damages through other legal means. If, however, the driver flees the scene of the accident without you getting his or her information, it can be difficult to recoup your damages. In these cases, you should contact the local police department as soon as possible and report the incident. They may be able to help you track down the driver. Finally, it is always a good idea to make sure that you have adequate insurance coverage so that you are protected in the event of an accident, even if the other driver does not have any.

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What should I do if the driver who hit me doesn’t have insurance?

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