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.