Driving is risky enough without the added danger of someone else causing a wreck and not being able to cover it. If you are involved in an accident and the other driver lacks insurance, there are important protections and steps you need to know to protect yourself.

Legal Backdrop in California

• In California it is against the law to drive without at least the minimum required auto insurance
• The state requires liability insurance to cover at least certain minimum amounts for bodily injury per person, per accident, and for property damage
• Even if the other driver has no insurance, if they are at fault you can still pursue compensation; lack of insurance does not absolve liability

Penalties for Driving Without Insurance

• First time offenders without required insurance may face fines and impoundment of the vehicle
• Repeat offenses generally carry increasing financial penalties and possibly more severe legal consequences
• Courts can assess additional fees and charges beyond the base fine which can make the cost of driving uninsured very high

How You Can Protect Yourself

1. Carry Uninsured and Underinsured Motorist Coverage

• Including this coverage on your policy means if the other driver has no insurance or insufficient coverage you may still be able to recover your losses through your own insurer
• This can help cover medical bills, damage to your vehicle, and other expenses up to the limits you selected

2. Get Medical Attention Immediately

• Even if your injuries do not feel severe right away, getting medical evaluation helps protect your health and supports any future claim
• Some injuries worsen over time or show symptoms later; prompt care helps document what happened

3. Do Not Admit Fault

• Stay reserved about discussing blame at the scene of the accident
• Even apologies or statements that sound like admitting responsibility can be used against you later

4. Document Everything

• Call law enforcement so there is an official police report
• Gather details like photos of the scene, damage to vehicles, and the other driver’s information
• Get witness statements if any

5. Consult a Lawyer Soon

• Legal deadlines and insurance procedures can be strict
• A lawyer can help you understand your rights, handle dealings with insurance companies, and pursue full compensation

Why Working With Hillstone Law Can Help

• We understand how to build strong uninsured/underinsured motorist claims
• We help ensure all evidence is collected properly, from medical records to damage reports
• We protect you from having to settle too early or accept less than what your case is worth