If the driver who caused your accident has little or no insurance, you may still have options for seeking compensation. Understanding where recovery may come from can help you make informed decisions after a crash.
Here are some options that may be available to you.
Review your own insurance coverage
Your own auto insurance may help cover your losses if the at-fault driver has little or no insurance.
Depending on what you purchased, uninsured or underinsured motorist protection may apply when the other driver lacks enough coverage to pay for your damages. California drivers can choose whether to add this protection, so your available benefits will depend on the terms of your plan.
Reviewing those details early can help you understand what assistance may be available before you decide how to proceed.
Gather evidence of the accident
Strong evidence can support your claim regardless of the other driver’s insurance coverage. If you have not already done so, keep records that document what happened and how the accident affected you, including:
- The police report
- Photos of the accident scene, vehicle damage and visible injuries
- Medical records and bills
- Repair estimates and other records of your losses
These can help support a claim and provide a clearer picture of the circumstances surrounding the accident.
Seek legal guidance
In some situations, there may be additional insurance coverage or other sources of compensation to consider. Having an attorney review the details of your accident can help uncover options you might otherwise miss. This can make it easier to understand your next steps after a crash.
Explore your options
Learning that the other driver has little or no insurance does not necessarily mean you have reached the end of the road. Every accident presents different facts, insurance policies and legal issues. Taking the time to understand your options and seeking legal assistance when needed can help you make informed decisions about the next steps after your accident.