Quick Answer: You're not out of options. Your own auto insurance policy likely has Uninsured Motorist (UM) coverage that can pay your damages. California requires insurers to offer UM/UIM coverage. Call Gonzales Law at 909-587-6336 — navigating your own insurer after an uninsured crash requires an attorney.
California has one of the highest rates of uninsured drivers in the nation — approximately 16.6% of drivers (Insurance Research Council). Your UM/UIM coverage exists specifically for this scenario. However, your own insurance company is still a business with profit motives. An attorney who handles UM/UIM claims regularly can maximize your recovery even when the at-fault driver had no coverage.
What if I don't have uninsured motorist coverage?
You may still have options: suing the driver personally, MedPay coverage for medical bills, or health insurance. Call us to evaluate every avenue.
Can I sue an uninsured driver directly?
Yes, but collecting from an uninsured individual is difficult. We'll assess whether a personal lawsuit is worth pursuing in your case.
What is underinsured motorist (UIM) coverage?
If the at-fault driver has insurance but not enough to cover your damages, your UIM coverage fills the gap. Essential in serious injury cases.
How long do I have to make a UM claim in California?
You must still act quickly. Notify your insurer promptly and contact an attorney. Missing internal deadlines can limit recovery.
Uninsured driver accidents are common on the I-10, I-15, I-215, and SR-60 in the Inland Empire. Gonzales Law has handled hundreds of UM/UIM claims in Fontana, San Bernardino, Ontario, and surrounding cities.
The best accident lawyer for Inland Empire injury cases combines deep knowledge of California injury law, local court procedures, and the specific roads where serious accidents happen. Gonzales Law Offices (Mark Gonzales, CA Bar #249340) has recovered $100M+ for accident victims across San Bernardino County, Riverside County, and the full Inland Empire. Free 24/7 consultation, no fee unless we win.