It happens more than you think
A lot of people drive with no insurance, or with the bare minimum that barely covers anything. And sometimes the driver at fault takes off and is never found.
Your own policy can save you
In California, insurance companies have to offer you uninsured motorist (UM) and underinsured motorist (UIM) coverage. If you didn't turn it down in writing, you may have it. That coverage pays your medical bills and other damages as if it were the other driver's insurance.
What about a hit and run?
UM coverage usually applies when the at-fault driver flees, too. But you need to report the crash to the police quickly.
Other doors
- If you were on the job, workers' comp may kick in.
- If you were driving a borrowed car, the owner's insurance may cover it.
- If the at-fault driver was working for someone, the company may be responsible.
Heads up: it's your insurance, but it's not on your side
Even though it's your own company, on a UM claim they'll try to pay you as little as possible. That's why it pays to come in with a lawyer.
This guide is general information and is not legal advice. Every case is different. To find out what applies to you, call us for a free consultation.