Accidents can happen at any time, and sometimes, they result in injuries that require medical attention.
When you find yourself injured due to an accident caused by someone who does not have insurance, it can be a challenging situation to navigate.
Dealing with medical bills
Injuries often come with medical bills, which can quickly accumulate. Without the at-fault party’s insurance to cover these costs, you may have to shoulder the financial burden. It is important to explore your own insurance options, such as personal injury protection or MedPay coverage, to help offset some of the costs.
Uninsured/underinsured motorist coverage
In California, uninsured and underinsured motorist coverage is an option that may come to your aid. This type of coverage protects you when involved in an accident with an uninsured or underinsured driver. It can help cover your medical expenses, property damage, and even lost wages.
Negotiating with the at-fault driver
While insurance can be a safety net, not all individuals have it. If the at-fault driver does not have insurance, it does not necessarily mean they do not have assets to cover your expenses. It may be necessary to enter into direct negotiations with the responsible party to seek compensation for your injuries.
Filing a lawsuit
In some instances, you may need to file a lawsuit to recover damages for your injuries. California allows you to pursue legal action against the at-fault party, even if they do not have insurance. This process can be time-consuming and complex, but it may be the only way to obtain compensation for your losses.
In 2020, 1,763 people in Anaheim died or sustained injuries in car accidents. When the at-fault driver has no insurance, it can make the situation more traumatic. Knowing your options and preparing can make a significant difference in your case.