What Happens If You’re Hit by an Uninsured Driver in Orange County?
A collision with an uninsured driver represents one of the most complicated situations you can face as a road user. Imagine the scene: You are driving on Beach Boulevard in Huntington Beach when another driver hits you as he passes a stop sign. Your car is damaged, you are injured but when you ask for insurance documents, you learn that the driver does not have a valid policy. This situation gets even worse when you realize that approximately 15% of the drivers in Orange County drive without insurance, in violation of California law. In these circumstances, it is crucial to have an experienced orange county personal injury attorney who understands the complexities of such cases and can protect your rights.
What does it mean when a driver has no insurance?
In California, all drivers are required by law to have auto insurance. Yet, the reality is that thousands of people drive without a policy every day. When you are struck by such a person, the situation is complicated because there is no insurance company to cover the damage on their part.
Are You Protected?
First, check whether your insurance includes UM/UIM (Uninsured/Underinsured Motorist Coverage). It is an addition that covers your expenses when the other party is uninsured or underinsured. If you have this clause, it is possible for your insurance company to pay out some or all of the damages. But let’s face it – your insurance company won’t be waiting around to pay you back either.
So it is vital that you have a legal representative who knows how to fight insurance companies, whether it is a lawsuit against an uninsured driver or against your own insurance company.
What damages can you claim?
Regardless of whether the other party is insured, you have the right to claim compensation for:
- Medical bills (such as for emergency care, therapy, medication, and rehabilitation)
- Lost earnings if you were unable to work
- Physical and Emotional Pain
- Damage to property (your car, telephone, etc.)
In the case of an uninsured driver driving under the influence of alcohol or narcotics, additional punitive damages are possible.
Why Should You Hire Bojat Law Group?
At Bojat Law Group we do not promise fairy tales. But what we guarantee is that we will take your case seriously, without excuses and without empty stories. We have experience with difficult and complicated cases, including accidents involving uninsured drivers.
We speak directly to insurance companies, negotiate on your behalf, and, if necessary, go to court. Your job is simply to focus on recovery.
You Have a Right to File a Claim Even When Other Driver is Uninsured
Many feel that there is no point in suing someone who does not have insurance. But often it turns out that these drivers still have property or can be legally compelled to pay. And if you have UM/UIM coverage, your insurance may be obligated to compensate you.
Do not leave things to chance or trust the promises of insurance agents. They work for them, not for you.
Call Orange County Personal Injury Attorney at Bojat Law Group
If you are injured in an accident with an uninsured driver, do not wait for your rights to slip.
Contact the Bojat Law Group, your trusted Orange County personal injury attorney team, and find out what your real chances are. Consultations are free of charge. We charge only if we get a case.
Your recovery is important. We care about justice.
