Being involved in a car accident is stressful enough without the added burden of the other driver having no insurance. Although all California drivers are required by state law to carry auto insurance, some choose to drive without it. Fortunately, there are protections in place to help people who are involved in accidents with these irresponsible motorists. California law also requires all insurance companies to offer uninsured motorist coverage, but it does not require drivers to accept it.
What uninsured motorist insurance protects
If you have uninsured motorist protection and are involved in an accident, your own insurance company is required to pay your expenses. This includes paying to have your car repaired or replaced, medical costs, income loss and more. You do not have to be driving your own vehicle to be covered by uninsured motorist insurance. For example, you can receive benefits from your insurance company if you were struck by an uninsured motorist while walking as long as you had selected this coverage ahead of time.
Under California uninsured motorist law, insurance coverage is available to everyone who lives in your household who is involved in an accident with an uninsured driver. It also covers your minor children, whether or not they live with you. Additionally, coverage extends to all passengers in your vehicle as well as anyone who was driving your vehicle with your permission.
Even though the law is very clear on what uninsured motorist protection offers, you may still run into problems getting your insurance company to pay for your accident. Thorsnes Bartolotta McGuire is a personal injury law firm in San Diego that is here to help you obtain a fair settlement. We can also assist you in filing a personal injury lawsuit against the other driver. Despite his or her lack of insurance, there may be other assets you can claim as compensation.