I Don’t Have Insurance – What Should I Do?
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In California, drivers are required by law to carry auto insurance at all times. This is referred to as liability insurance coverage and is important because if you cause an accident, your liability insurance coverage is what compensates the other driver for their losses.
The state requires the following amounts of minimum coverage:
- $15,000 for injury or death to one person
- $30,000 for injury or death to more than one person
- $5,000 for damage property
The only problem is, not every driver carries this necessary insurance. If you are facing similar concerns and were recently involved in an accident, it is natural to wonder about the possible outcome. This ultimately depends on whether or not you are at fault.
Determining Liability & Compensation Responsibilities
California follows a “fault” system for all car accidents, which can have a direct impact on your case. The fault system means that after a car accident, anyone who suffered injuries can pursue compensation by filing a claim through their own insurance policy, through the at-fault driver’s insurance company, or choose to sue the at-fault driver directly.
If you were at fault for the accident, do not have car insurance, and another person was injured, you may be responsible for compensating them out of your own pocket. Because the injured driver cannot file a claim through your insurance company, their only option is to file a lawsuit against you.
However, even if another driver caused the accident and you were injured, your ability to recover compensation may be limited. California has a “No Pay, No Play” rule, which means that if you did not have insurance when the accident occurred, you may not be entitled to a full compensation amount.
Walnut Creek Personal Injury Lawyers Fighting for You
Car accidents are complicated enough on their own, let alone if you do not have auto insurance. The laws surrounding such cases can be complex and it can be difficult to resolve your case on your own. You need an experienced car accident attorney on your side.
Get in touch with Fetto Law Group today to find out how our Walnut Creek personal injury lawyer may be able to help!
Attorney Fetto and his staff were professional, forthright and very helpful!- Marci K.
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John changed our lives!- Jim P.
I am very grateful for Mr. Fetto's help.- Former Client