If you don’t have comprehensive car insurance, you won’t be covered for property damage to your own vehicle. However, if the other driver is at fault for the motor vehicle accident, you have the right to claim compensation. As a rule, the driver who does not take reasonable care is determined to be at fault.

What happens if the person who hit me has no insurance?

Drivers must generally file a claim against your insurance company to seek compensation. An insurance agent may handle the claim on your behalf. In some cases, a driver may also file a lawsuit against you in court. You may wish to contact a law firm if you are accused of causing an accident in California.

Can you sue an uninsured driver after a collision?

If you’ve included uninsured or underinsured motorist coverage, your insurance will pay the claim after a collision with 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.

What happens if my car gets hit by somebody who doesn’t have insurance?

For catastrophic injuries, such as paralysis or serious brain injury, you can sue an at-fault driver for wage losses and additional medical treatments. If that driver doesn’t have insurance, then you would draw from the uninsured automobile coverage in your policy, up to a limit of $200,000.

Can you sue the person at fault for a car accident?

You have a legal right to sue the at-fault driver for the personal injuries that were caused by the crash, including aggravation of pre-existing injuries. Most states do not allow you to sue the insurance company directly, however. What if the At-Fault Driver Doesn’t Have Insurance?

What to do if an uninsured driver does not have insurance?

By the same token, if you don’t have uninsured motorist insurance, and the at-fault driver doesn’t have insurance, you only have one option: to file a personal injury claim against the driver. Filing an uninsured motorist claim Notify your insurance company right away if you’re planning to file an uninsured motorist claim.