What to Do If You’re Hit by an Uninsured Driver in California

Being involved in a car accident is stressful enough, but discovering the other driver is uninsured adds an entirely different level of uncertainty. Although California law requires all motorists to carry minimum liability insurance, many drivers ignore these requirements. When you’re injured by an uninsured or underinsured driver, recovering compensation for your medical bills, lost income, and vehicle damage can feel overwhelming—yet you still have options. As a Sacramento personal injury lawyer, I help individuals throughout Northern California understand these options and protect their rights after a crash.

Take Immediate Action After the Accident

Your safety is the top priority. After any accident—especially one involving an uninsured driver—check for injuries and call 911 immediately. A police report is a critical piece of evidence when filing an insurance claim or pursuing a personal injury case.

While waiting for help to arrive, gather as much information as possible, including:

• The other driver’s name and contact information
• Vehicle details and license plate number
• Photos of injuries, vehicle damage, and the accident scene
• Witness statements and contact information

This documentation can help strengthen your claim and support your account of what happened. After the scene is secure, contact your insurance provider promptly. In California’s at-fault system, determining liability will play a major role in how your claim proceeds.

How Your Own Insurance Can Protect You

If the uninsured driver is determined to be at fault, your own coverage may step in. Many California drivers carry uninsured/underinsured motorist (UM/UIM) coverage. This is one of the most valuable types of protection you can have, as it can help cover medical expenses, lost wages, and sometimes property damage when the at-fault driver has no insurance or insufficient coverage.

Additional coverages that may apply include:

• Collision coverage – Pays for repairing your vehicle regardless of who caused the crash.
• Personal Injury Protection (PIP) – Helps with medical bills, rehabilitation costs, and lost income, regardless of fault.

If you don’t have UM/UIM or PIP, recovering compensation can be more challenging—but not impossible.

When Legal Action May Be Necessary

Sometimes, victims must pursue a personal injury claim directly against the uninsured driver. Through a lawsuit, you may be able to recover compensation for medical bills, vehicle repairs, pain and suffering, and other losses.

However, lawsuits against uninsured drivers are only practical if the driver has assets, income, or property that can satisfy a settlement or judgment. A car accident attorney in Sacramento can help evaluate whether this approach makes sense based on your unique circumstances.

How Hit-and-Run Accidents Are Handled

Hit-and-run accidents often function similarly to uninsured driver claims. If the driver flees the scene and cannot be identified, your UM coverage typically becomes the primary source of compensation. A police report is essential, as insurers rely heavily on official documentation for these claims.

After notifying law enforcement, contact your insurer as soon as possible to begin your claim.

Why Working With a Personal Injury Attorney Matters

Accidents involving uninsured or underinsured drivers can be complex. You may be dealing with painful injuries, unexpected expenses, and insurance policies that feel intentionally confusing. A Sacramento accident lawyer can help by:

• Handling communications with insurance companies
• Negotiating a fair settlement
• Gathering and preserving evidence
• Explaining your rights under California law
• Preparing your case for litigation if necessary

At Laskin Balma Attorneys at Law, I represent injured individuals throughout Sacramento, Elk Grove, Redding, and Northern California. My goal is to alleviate your stress, protect your rights, and maximize your recovery. I offer free consultations and contingency-fee representation —you don’t pay unless I win your case.

Protecting Yourself After an Accident With an Uninsured Driver

Although accidents with uninsured drivers are unfortunately common, understanding your options can help you stay protected. By taking immediate action, understanding your insurance coverage, and seeking legal help when needed, you give yourself the best chance of securing the compensation you deserve.

If you’ve been hit by an uninsured driver, contact me today for a free case evaluation. I’m here to help you navigate the process and advocate for the best possible outcome.