I Don't Have Insurance - What Should I Do?

I Don’t Have Insurance – What Should I Do?

Turn to Our Firm for Personal Representation

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!

Client Testimonials

  • John, Sandy, & their amazing team took me from the possibility of getting nothing, to a settlement I never dreamed possible.

    “A letter of appreciation to John and his Team, I was in a bad car accident; I was rear-ended so hard it took two tow trucks to pull the vehicles apart. I was referred to John Fetto by my healthcare ...”

    - Rose A.
  • Attorney Fetto and his staff were professional, forthright and very helpful!

    “I have had the pleasure of interacting with Mr. Fetto and his staff on a personal injury auto accident that had transpired several years ago. He has been professional, forthright and very helpful in ...”

    - Marci K.
  • John Fetto is an excellent attorney.

    “Mr. Fetto used his experience, knowledge, and expertise to leave no stone unturned.”

    - J P.
  • I'm thoroughly impressed by the first class professionalism of John Fetto.

    “I could not have asked for better representation from Fetto Law Group.”

    - Kerry G.
  • John changed our lives!

    “Thank you John A. Fetto for your great and hard work.”

    - Jim P.

Case results

  • $1.75 Million Slip & Fall Accident
  • $300,000 Assault
  • $300,000 Motorcycle Accident
  • $92,250 Car Accident
  • $60,000 Pedestrian Accident

Why We Are Different 

  • Over 30 Years of Legal Experience
  • Successfully Handled Over 3,000 Cases
  • Recovered Over $50 Million in Verdicts & Settlements
  • Unwavering Dedication
  • You Will Work Directly with Our Attorney
  • Tagalog Services Available

Contact Our Firm

Request a Free Consultation
  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.