California has the 10th-highest rate of uninsured drivers in the United States at approximately 16.6% (Insurance Research Council). This means roughly 1 in 6 drivers on California roads has no insurance. If an uninsured driver hits you, your own auto insurance policy's Uninsured Motorist (UM) coverage is your primary financial protection.
Do I have uninsured motorist coverage?
Check your declarations page under 'Uninsured Motorist' or 'UM/UIM.' California law requires insurers to offer this — most policies include it unless you signed a rejection form.
Can I sue an uninsured driver personally?
Yes, but collecting from an individual without assets is often difficult. UM coverage is the more reliable recovery path for most victims.
What if the uninsured driver fled the scene?
Hit-and-run by an uninsured driver? Your UM coverage still applies. You must report the accident to police and your insurer promptly.
Does Gonzales Law handle uninsured motorist claims?
Extensively. UM/UIM claims require negotiating with your own insurer — who still has profit motives. An attorney levels the playing field.