In a perfect world, the damages and expenses that result from car accidents would always be covered by the driver who is at fault. However, in California, more than 15% of drivers are uninsured and likely unable to cover accident damages that they are liable for. When accidents with uninsured drivers occur, motorists who have insurance coverage but are not at fault may be unsure who is required to pay for damages. Without proper legal guidance, these situations can become very complicated and stressful for individuals who simply want to get healthy and recover compensation for medical bills and vehicle damage.
What Is an Uninsured Driver?
Drivers in the State of California technically don’t need a traditional car insurance policy. Rather, they must simply demonstrate financial responsibility in at least one of four legally acceptable ways, which are as follows:
- Motor Vehicle Liability Insurance
- $35,000 Cash Deposit With DMV
- Self-Insurance Certificate From DMV
- Surety Bond Worth $35,000 From a CA Licensed Business
So, when we talk about car accidents with “uninsured” drivers, we are referring to individuals who do not fulfill at least one of the requirements listed above. Accidents that are caused by “uninsured” drivers are known to cause legal headaches for all parties involved.
Who Is Responsible for Repairs and Medical Bills?
Technically speaking, if you are unable to recover compensation from an uninsured driver who caused your accident, you must cover your accident-related expenses for the time being — unless your auto insurance policy includes Uninsured and Underinsured Motorist Coverage. When an at-fault driver is unable to take financial responsibility for your pain and suffering, car repairs, and medical expenses, you must prepare for legal action in order to get what you deserve.
What if the Uninsured Driver Is Broke?
If an uninsured driver cannot afford to pay your damages, you will have very little choice other than to pursue legal action. As stated before, you will have to find another way to cover the expenses associated with your medical bills and repairs to your car, for now. Even if you successfully file and win a personal injury claim against the uninsured driver who is at fault for the accident, they can simply declare bankruptcy and ultimately shed their financial responsibility for the foreseeable future.
What Are the Legal Options?
Car accidents involving uninsured drivers tend to become very complex and sensitive legal matters when taken to court. You will need help from experienced legal counsel in order to recover the compensation that you need to get back on your feet — not to mention what you are owed for your pain and suffering. For a detailed description of each of your legal options following an accident with an uninsured driver, call The Barnes Firm anytime 24/7 for a FREE legal consultation with one of our seasoned personal injury attorneys.