Even if you weren't the at-fault driver, driving without insurance in California limits your recourse after an accident. The other driver's liability policy can pay for your car repairs and medical bills, up to the policy limits.
What happens if the person not at fault in an accident has no insurance in California?
If you do not have uninsured motorist coverage, or if the amounts you will recoup through your police will not be enough to cover all of your costs, you have the option of taking legal action. In California, accident victims have the right to file a personal injury lawsuit to recover damages from a negligent party.
How does car insurance work when you are not at fault in California?
In a no-fault state, a driver who is injured in an auto accident simply has to file a claim for compensation for their injuries. Once filed, the other driver's insurance provider must pay the claim. It doesn't matter whether the injured driver is the victim in the accident or the cause.
What happens if you get hit by someone without insurance in California?
If you are hit by someone who was uninsured, you will need to have uninsured motorist coverage on your policy in order to recover. To open an uninsured motorist claim, you will need to provide several documents and facts to your insurance company to trigger that coverage.
Is California a no-fault state for car accidents?
Since California is not a no-fault state, injured victims must file car accident claims with the at-fault driver's insurance company. This means they must identify the driver who caused the accident and prove this driver's fault during the insurance process.