What to Do if an Uninsured Driver Hits You

Updated August 2021

If you or a family member gets into an accident caused by a negligent driver, you need to know how the law works and what your best steps are. In California, so many drivers don’t have car insurance (or just the bare minimum), but they drive every day on the same roads you and your loved ones travel on. 

The best way to protect yourself is to truly understand how insurance works and what your options are. So if you are injured by an uninsured motorist, you’ll be prepared for what lies ahead. The best thing you can do after an accident is to speak with an experienced car accident lawyer.

Uninsured Motorist Vs. Under-Insured Motorist

If you are injured in an automobile accident with an uninsured driver, then you would be able to use your own UM / UIM insurance coverage. By adding this additional policy to your insurance, you’ll be happy you did when the day comes that you need it – as they say, “accidents happen,” so be prepared.

• Underinsured Motorist Coverage – this would be used when the driver at fault for the accident has insurance, but they don’t carry a large $ enough policy to cover your damages and injuries.
• Uninsured Motorist Coverage – this would be used if the driver at fault for the accident doesn’t have insurance at all (illegal in California), or if the accident is a hit and run.

¿Por qué contactar a DK Law? 

Dealing with the aftermath of a car accident can be quite stressful. Still, when you are injured in a car accident that involves another driver without insurance, it gets even more complicated. Call DK Law to help you:

• Get your car repaired or get top dollar for replacement
• Get you the medical care you need and help with medical bills
• Get your lost wages and income
• Tell you how much money your case is worth
• Fight to get you the maximum compensation

Additional Benefits

• Our settlement success rate is 99%
• Puede contactarnos los 7 días de la semana, las 24 horas del día
• We only handle car accident injury cases – we know what we’re doing
• We can come to you if you can’t make it into the office

Steps to Take After Being Hit By an Uninsured Motorist

Sadly, there is a good chance you’ll be in a few accidents in your lifetime here in California. It can happen just like this: you are waiting at a red light, and BAM, a car hits you from behind. After being rear-ended, you feel some whiplash and neck pain, and you pull off the road. The other driver pulls over, also, and then tells you they have no car insurance. Don’t panic, instead follow these steps:

• Call the police – it’s always smart to call the cops and have them show up and make an official police report.’
• Exchange information – even though they don’t have insurance, you want to get their driver’s license and contact info.
• Take pictures – you will want evidence of your car, the other car, the scene itself, your injuries, etc.
• Get witnesses’ info – if there are witnesses, get their contact info also
• Llame a DK Law – Don’t wait or stall, call us immediately and protect your legal rights.