Getting into a car accident is stressful enough without discovering the other driver has no insurance. Knowing that the expenses brought by the accident will be covered is the only thing you might find comforting when you figure in an accident. What happens when the other driver has no insurance at all?
Here’s how to handle it step by step and protect yourself from costly surprises.
Pull over and check for injuries
Move your car to a safe spot if you can. Turn on your hazard lights right away. Check yourself and any passengers for injuries first. Even if the damage looks small, don’t leave the scene until you’ve taken care of everything properly. Be thorough.
Get their information and document everything
You need more than just their word that they’ll pay for damages. Write down their full name, phone number and license plate number. Take a photo of their driver’s license if they’ll let you.
Make sure you also capture these details:
- Clear photos of all vehicle damage
- Pictures of the accident scene from different angles
- Any skid marks or debris on the road
- Street signs or landmarks that show the location
This evidence becomes crucial later when you’re dealing with insurance companies or considering legal action.
Call the police even for minor accidents
California law requires you to report any accident with property damage over $1,000 or injuries. When the other driver is uninsured, that police report becomes even more valuable. It provides an official record of what happened and can help establish who was at fault.
Contact your insurance company immediately
Don’t wait to call your insurer. If you have uninsured motorist property damage coverage or collision coverage, your company might pay for repairs after you pay your deductible. Ask your agent to explain exactly what your policy covers since California doesn’t require uninsured motorist property damage coverage.
Think about small claims court
If your insurance won’t cover the damage or you don’t want to file a claim, you can sue the other driver in small claims court. Just remember that winning doesn’t guarantee you’ll actually get paid if they don’t have money.
Stay calm and know your options
Getting hit by an uninsured driver in Los Angeles is frustrating, but you’re not stuck. By staying levelheaded, gathering good evidence and understanding what coverage you have, you give yourself the best shot at getting your car fixed without breaking the bank.
Seeking the advice of an experienced attorney might also help you explore your options. With their guidance, you can determine the best way forward.
