What if the other driver does not have enough insurance to cover my losses?

In California, if the other driver does not have enough insurance to cover your losses, you may still be able to recover some of your costs. Depending on your policy, you may be able to recover some of the costs through your own insurance company. This is known as Uninsured Motorist (UM) Coverage. UM Coverage will cover the costs of the damages, medical expenses, and lost wages that are not covered by the other driver’s insurance. If you do not have Uninsured Motorist coverage, you may still be able to recover some of the costs through a civil lawsuit. You can file a lawsuit against the other driver and seek damages for the losses you suffered. However, if the other driver does not have the necessary assets or income to pay the damages, the lawsuit may not be successful. You can also seek medical coverage from the California Department of Public Health’s Medi-Cal program. This program is reserved for people with low incomes or who cannot access private insurance. Medi-Cal may also be able to cover some of the costs of your medical bills. No matter the circumstances of your accident, it is important to consult with a lawyer to discuss your legal rights and options. A lawyer can assess your case and advise you on the best course of action.

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What if the other driver does not have enough insurance to cover my losses?

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