What if at fault driver has no insurance?
If the at-fault party does not have car insurance, you can file a compensation claim with your insurance company or file a lawsuit against the negligent party. When you are in an accident, you may expect the other driver to have auto insurance, but this is not always the case.
Do car insurance companies go after uninsured drivers?
The California Department of Motor Vehicles investigates the insurance for all drivers involved in accidents regardless of fault. Second, if your Uninsured Motorist insurer pays you for an at fault driver who was uninsured, it will seek to recover all of the money paid to you directly from the uninsured driver.
What to do if I hit an uninsured driver?
Three steps to take after being hit by an uninsured driver
- File a police report. You need to start by filing a police report.
- File a claim. After filing a police report, your next step should be to file an uninsured motorist claim with your insurance provider.
- Press charges.
Can an insurance company sue an uninsured driver?
If you don’t have uninsured motorist coverage on your own insurance policy, you cannot make a claim or recover damages against an uninsured driver. If they truly are uninsured, your insurance company can’t file a claim against them — like the saying goes, you can’t squeeze water from a stone.
What happens if someone hits you and you don’t have insurance?
This could include medical bills, lost wages, property damage, and physical and mental pain and suffering. If you do not have an automobile liability insurance policy, you are personally responsible for paying these damages to the injured person. In other words, you will have to pay them out of your own pocket.
What happens if a driver doesn’t have insurance?
If the other driver doesn’t have insurance, it’s up to you to pay for the damage they caused. You’ll call your insurance company to file the claim, and they’ll pay for your medical bills and any damage to your car that requires repair provided you have uninsured motorist coverage.