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  • Jessica Grau

Let's Talk About Insurance: What Happens in an Accident with an Uninsured Driver?

Updated: Oct 26, 2020

It's no secret that every driver in California must have at least minimum coverage when it comes to their motor vehicle insurance. Unfortunately, that does not mean that everyone who drives in California is insured. When this is the case, injured parties who were involved in an accident with an uninsured driver are left to take care of their own medical bills and damage to their vehicles. That is, unless they're covered by their own insurance and have uninsured motorist coverage on their policy. 

What is Uninsured Motorist Coverage?

Uninsured Motorist coverage is part of an automobile insurance policy that allows an injured party to open up a claim with their own insurance. This helps to cover the costs of medical bills and to recover a settlement for pain and suffering from the injuries if the accident was caused by another person or party. In short, it protects injured parties when they're hurt in an accident when the at fault driver does not have insurance. 

Here's the Thing: Californians are Not Required to Have Uninsured Motorist Coverage On Their Policy

With there being a large number of Uninsured drivers in California, it's important to make sure that every driver protects themselves. It's a good idea for drivers to check with their insurance companies to ensure that they're covered in the event of an accident. However, drivers should note that they cannot add the coverage to their own policy if an accident has already happened. That's why it is important to make sure it is on the insurance policy before an accident. 

If you or someone you love were injured by an uninsured driver or are unsure if you have uninsured motorist coverage, call Jess, she'll handle the rest.