What if the at-fault driver doesn’t have insurance?

If you’re hit by an uninsured driver, you still have options. The most common path is filing a claim under your own Uninsured Motorist (UM) coverage if you carry it. California law requires insurance companies to offer UM coverage, though you’re not required to purchase it.

You can also file a lawsuit directly against the uninsured driver, though collecting a judgment from someone without insurance can be difficult.

This is one of many reasons why we recommend California drivers carry robust UM/UIM coverage. If you’ve been injured by an uninsured driver, Arnold Law Firm can evaluate all available sources of compensation for your case.