{"id":109349,"date":"2026-02-03T22:04:14","date_gmt":"2026-02-03T22:04:14","guid":{"rendered":"https:\/\/dklaw.com\/?p=109349"},"modified":"2026-03-20T01:53:34","modified_gmt":"2026-03-20T01:53:34","slug":"uninsured-driver-settlement-california","status":"publish","type":"post","link":"https:\/\/dklaw.com\/es\/the-fine-print\/uninsured-driver-settlement-california\/","title":{"rendered":"What&#8217;s My Car Accident Settlement Worth If Hit by an Uninsured Driver?"},"content":{"rendered":"<div class=\"dklaw-section dklaw-hero dklaw-hero__blog align wp-block-dklaw-hero-blog has-background has-primary-beige-background-color\"><div class=\"acf-innerblocks-container\">\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\"><div class=\"dklaw-breadcrumbs align wp-block-dklaw-breadcrumbs\"><a href=\"https:\/\/dklaw.com\">Home<\/a><a href=\"https:\/\/dklaw.com\/es\/the-fine-print\/uninsured-driver-settlement-california\/\" class=\"current\">What&#8217;s My Car Accident Settlement Worth If Hit by an Uninsured Driver?<\/a><script type=\"application\/ld+json\">\n\t{\n\t  \"@context\": \"https:\/\/schema.org\",\n\t  \"@type\": \"BreadcrumbList\",\n\t  \"itemListElement\": [\n\t\t  {\n\t\t\t\t\"@type\": \"ListItem\",\n\t\t\t\t\"position\": 1,\n\t\t\t\t\"name\": \"Home\",\n\t\t\t\t\"item\" : \"https:\/\/dklaw.com\"\n\t\t\t},{\n\t\t\t\t\"@type\": \"ListItem\",\n\t\t\t\t\"position\": 2,\n\t\t\t\t\"name\": \"What&#8217;s My Car Accident Settlement Worth If Hit by an Uninsured Driver?\",\n\t\t\t\t\"item\" : \"https:\/\/dklaw.com\/es\/the-fine-print\/uninsured-driver-settlement-california\/\"\n\t\t\t}\n\t  ]\n\t}\n\t<\/script><\/div>\n\n\n<h1 class=\"wp-block-heading\">What&#8217;s My Car Accident Settlement Worth If Hit by an Uninsured Driver?<\/h1>\n\n\n<div class=\"dklaw-hero__blog-meta align wp-block-dklaw-hero-blog-meta\"><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-taxonomies align wp-block-dklaw-taxonomies\"><a href=\"https:\/\/dklaw.com\/es\/learning-hub\/?_practice_area=car-accidents\" rel=\"nofollow\">Car Accidents<\/a> <a href=\"https:\/\/dklaw.com\/es\/learning-hub\/?_topics=behind-the-law\" rel=\"nofollow\">Behind The Law<\/a> <a href=\"https:\/\/dklaw.com\/es\/learning-hub\/?_topics=know-your-rights\" rel=\"nofollow\">Know Your Rights<\/a> <\/div>\n\n\n<p class=\"has-primary-gray-color has-text-color\">Reading Time: 7 Minutes<\/p>\n\n<\/div><span>February 3, 2026<\/span><span>Michelle Lysengen<\/span><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2026\/02\/uninsured-driver-settlement-california.jpeg\" alt=\"driver showing another driver his driver's license and insurance after a car accident\" class=\"wp-image-109350\" srcset=\"https:\/\/dklaw.com\/wp-content\/uploads\/2026\/02\/uninsured-driver-settlement-california.jpeg 1200w, https:\/\/dklaw.com\/wp-content\/uploads\/2026\/02\/uninsured-driver-settlement-california-300x200.jpeg 300w, https:\/\/dklaw.com\/wp-content\/uploads\/2026\/02\/uninsured-driver-settlement-california-1024x683.jpeg 1024w, https:\/\/dklaw.com\/wp-content\/uploads\/2026\/02\/uninsured-driver-settlement-california-768x512.jpeg 768w, https:\/\/dklaw.com\/wp-content\/uploads\/2026\/02\/uninsured-driver-settlement-california-18x12.jpeg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<\/div>\n<\/div>\n\n<\/div><\/div>\n\n<div class=\"dklaw-section dklaw-toc alignfull wp-block-dklaw-toc\"><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-toc__sidebar align wp-block-dklaw-toc-sidebar\"><div class=\"dklaw-toc__sidebar-menu\"><h4 class=\"dklaw-toc__sidebar-toggle\">Jump To<\/h4><ul><\/ul><\/div><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-card align wp-block-dklaw-card has-background has-primary-black-background-color\"><div class=\"acf-innerblocks-container\">\n\n<h4 class=\"wp-block-heading has-primary-white-color has-text-color\">Every 4 minutes.<\/h4>\n\n\n\n<p class=\"has-primary-white-color has-text-color\">On average, every 4 minutes someone picks up the phone and calls us for help. That kind of trust says everything.<\/p>\n\n\n\n<div class=\"wp-block-button is-style-button-phone\"><a class=\"wp-block-button__link has-primary-yellow-background-color has-background wp-element-button\" href=\"tel:8002010265\">800-201-0265<\/a><\/div>\n\n<\/div><\/div>\n<\/div><\/div>\n\n<div class=\"dklaw-toc__blocks align wp-block-dklaw-toc-blocks\"><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<p>You did everything right. You have insurance. You were driving safely. Then someone without coverage slams into you, and suddenly you&#8217;re stuck with medical bills, a totaled car, and zero way to reach the person responsible.<\/p>\n\n\n\n<p>So now what?<\/p>\n\n\n\n<p>You probably have a path to compensation that may not involve the <a href=\"https:\/\/dklaw.com\/the-fine-print\/5-key-things-to-do-after-an-accident-with-an-uninsured-driver\/\">uninsured driver<\/a> at all. Your own insurance policy likely includes something called uninsured motorist (UM) coverage, and that&#8217;s who pays when the other driver can&#8217;t.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Key Takeaways<\/h2>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-list\">\n<li><strong>Your own insurance pays when the other driver has nothing.<\/strong> California requires insurers to offer UM coverage, and most drivers have it without realizing it. This coverage kicks in when you&#8217;re hit by an uninsured or hit-and-run driver.<\/li>\n\n\n\n<li><strong>Policy limits the cap on your settlement, not injury severity.<\/strong> Most California drivers carry minimum UM coverage of $15,000 per person, which means that&#8217;s often the maximum you can recover, regardless of how badly you&#8217;re hurt.<\/li>\n\n\n\n<li><strong>Comparative fault still applies.<\/strong> Even in UM claims, if you were partially at fault, your settlement gets reduced by that percentage under <a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=CIV&amp;sectionNum=1431.2\">California&#8217;s pure comparative negligence law<\/a>.<\/li>\n\n\n\n<li><strong>Uninsured plaintiffs face big limitations.<\/strong> If you were driving without insurance yourself, <a href=\"https:\/\/dklaw.com\/the-fine-print\/what-is-prop-213-and-how-does-it-affect-california-drivers\/\">Proposition 213<\/a> bars you from recovering pain and suffering damages in most cases.<\/li>\n<\/ul>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Can You Still Get Paid If the Other Driver Has No Insurance?<\/h2>\n\n\n\n<p>Short answer: yes. Longer answer: It depends on your own policy.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-uninsured-motorists\">About 16.6% of California drivers are uninsured<\/a>, which is higher than the national average of 14%. That&#8217;s roughly one in six cars on the road with no coverage. The state knows this is a problem, which is why California law requires insurance companies to offer you UM coverage when you buy a policy.<\/p>\n\n\n\n<p>Here&#8217;s the important part. Unless you signed a written rejection, you probably have this coverage. Not a verbal &#8220;no thanks&#8221; on the phone. An actual signature on a specific form.<a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?sectionNum=11580.2&amp;lawCode=INS\"> California Insurance Code \u00a7 11580.2<\/a> requires that the rejection be in writing, and a lot of people never actually sign one.<\/p>\n\n\n\n<p>So step one is checking your declarations page. That&#8217;s the summary sheet your insurer sends when you renew. Look for &#8220;UM&#8221; or &#8220;uninsured motorist&#8221; coverage and note the dollar amount.<\/p>\n\n\n\n<p>What if you genuinely don&#8217;t have it? Your options shrink considerably. <a href=\"https:\/\/dklaw.com\/the-fine-print\/hit-by-uninsured-driver-california\/\">You could sue the uninsured driver directly<\/a>, but realistically, someone driving without insurance usually doesn&#8217;t have assets worth chasing. And even if you win a judgment,<a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/11\/523\"> personal injury debts can be discharged in bankruptcy<\/a> unless they result from willful and malicious injury.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">How Does Filing an Uninsured Motorist Claim Actually Work?<\/h2>\n\n\n\n<p>You&#8217;re basically filing a claim against your own insurance company. The same people you pay premiums to every month. And they&#8217;re not automatically on your side anymore because now they&#8217;re the ones writing the check.<\/p>\n\n\n\n<p>The basic process looks like this:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-list\">\n<li><strong>Confirm your coverage first.<\/strong> Check that declarations page. Know your limits. If you have $15,000 in UM coverage, that&#8217;s your ceiling no matter what.<\/li>\n\n\n\n<li><strong>Notify your insurer fast.<\/strong> California&#8217;s<a href=\"https:\/\/www.insurance.ca.gov\/0250-insurers\/0300-insurers\/0200-bulletins\/bulletin-notices-commiss-opinion\/\"> Fair Claims Settlement Practices Regulations<\/a> require insurers to acknowledge your claim within 15 days. Don&#8217;t sit on this.<\/li>\n\n\n\n<li><strong>Document everything like normal.<\/strong> Police reports, medical records, photos of damage, and witness statements. Your insurer will investigate just as thoroughly as if they were defending against you in court.<\/li>\n<\/ul>\n\n\n\n<p>Then comes negotiation. Your insurer makes an offer. You counter. If you can&#8217;t agree, California law typically sends UM disputes to<a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?sectionNum=11580.2&amp;lawCode=INS\"> binding arbitration rather than trial<\/a>. That means a private decision-maker resolves the dispute instead of a jury.<\/p>\n\n\n\n<p>One thing people miss: hit-and-run accidents also qualify for UM coverage. The driver who fled has &#8220;no insurance&#8221; as far as your claim is concerned because they can&#8217;t be identified.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">How Much Can You Expect From a UM Claim?<\/h2>\n\n\n\n<p>You&#8217;ll see websites throwing around settlement ranges like $15,000 to $50,000 or higher. Take those numbers with a massive grain of salt. Insurance companies don&#8217;t publish UM settlement data, so anyone claiming &#8220;average&#8221; figures is guessing based on policy limits, not actual claim outcomes.<\/p>\n\n\n\n<p>What we can tell you is factual: your settlement ceiling is your own policy limit.<\/p>\n\n\n\n<p>Most California drivers carry the state minimum, which is $15,000 per person and $30,000 per accident. If that&#8217;s your coverage, that&#8217;s the maximum you can recover even if your medical bills hit $100,000. Your policy is a contract with a cap built in.<\/p>\n\n\n\n<p>Within that cap, insurers calculate your damages the same way they would in any injury claim:<\/p>\n\n\n\n<p><strong>Economic damages<\/strong> cover the measurable stuff. Medical bills, lost wages, property damage, and future care costs.<a href=\"https:\/\/www.justia.com\/trials-litigation\/docs\/caci\/3900\/3903a\/\"> California law defines these as quantifiable financial losses<\/a> that you can prove with receipts and records.<\/p>\n\n\n\n<p><strong>Non-economic damages<\/strong> cover pain and suffering, emotional distress, and loss of enjoyment of life. These are harder to calculate and where negotiation gets contentious.<\/p>\n\n\n\n<p>If you were partially at fault, your payout drops proportionally. California uses pure comparative negligence. Meaning if you were 20% at fault, your settlement gets reduced by 20%. Even if you were 80% at fault, you can still recover 20% of your damages.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">What If You Were Driving Uninsured When the Accident Happened?<\/h2>\n\n\n\n<p>Proposition 213, passed by voters in 1996, bars uninsured drivers from recovering non-economic damages even when the accident was completely someone else&#8217;s fault.<\/p>\n\n\n\n<p>That means no pain and suffering. No emotional distress. No compensation for physical impairment or disfigurement. Just the hard economic losses you can document.<\/p>\n\n\n\n<p>The exceptions are narrow. If the other driver was convicted of DUI, you can recover everything. Same if they acted with specific intent to injure you. But those situations are rare.<\/p>\n\n\n\n<p>Does a claim still make sense if you were uninsured? Sometimes. If you have $50,000 in medical bills and lost three months of income, recovering those economic damages is still meaningful. You&#8217;re just leaving significant money on the table that an insured plaintiff would collect.<\/p>\n\n\n\n<p>The<a href=\"https:\/\/selfhelp.courts.ca.gov\/\"> California Courts Self-Help Center<\/a> has more information on these limitations and what recovery options remain available.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">The Bottom Line<\/h2>\n\n\n\n<p>Getting hit by an uninsured driver feels like a dead end. Someone else caused your injuries, and they have nothing. But if you carry UM coverage, which most California drivers do, you have a real path forward through your own policy.<\/p>\n\n\n\n<p>The catch? Your insurer isn&#8217;t automatically going to hand over the full policy limit. They investigate. They negotiate. They look for ways to reduce what they pay.<\/p>\n\n\n\n<p>If you&#8217;re dealing with serious injuries, a denied claim, or a lowball offer that doesn&#8217;t cover your medical bills, talking to a personal injury attorney who handles UM claims makes sense. Most work on contingency, meaning you pay nothing unless you recover compensation.<\/p>\n\n\n\n<p><strong>DK Law offers free case evaluations for uninsured motorist claims across California.<\/strong> If you&#8217;re unsure what your case is worth or whether your insurer is treating you fairly, a conversation costs nothing.<\/p>\n\n\n\n<p><a href=\"https:\/\/dklaw.com\/contact\/\">Call today to discuss your case<\/a>. No fee unless we win.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-author align wp-block-dklaw-author has-text-color has-primary-black-color has-background has-tertiary-blue-background-color\"><div class=\"dklaw-author__block\"><div class=\"dklaw-author__image\" style=\"background-image:url(https:\/\/dklaw.com\/wp-content\/uploads\/2025\/07\/michelle.jpeg);\"><\/div><div><p class=\"dklaw-author__block-about\">About the Author<\/p><h4 class=\"wp-block-heading is-style-heading-serif\">Michelle Lysengen<\/h4><h6><\/h6><p>Michelle is a content specialist at DK Law and creates content that highlights company events and breaks down complex legal topics into digestible, engaging content. She earned her B.A. in Marketing from California State University, Fullerton.<\/p>\n<div class=\"dklaw-author__social-icons\"><a href=\"https:\/\/www.linkedin.com\/in\/michelle-lysengen\/\"><svg width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g clip-path=\"url(#clip0_5702_21335)\"><path d=\"M15.7416 0H1.25508C0.561133 0 0 0.547852 0 1.2252V15.7715C0 16.4488 0.561133 17 1.25508 17H15.7416C16.4355 17 17 16.4488 17 15.7748V1.2252C17 0.547852 16.4355 0 15.7416 0ZM5.04355 14.4865H2.52012V6.37168H5.04355V14.4865ZM3.78184 5.26602C2.97168 5.26602 2.31758 4.61191 2.31758 3.80508C2.31758 2.99824 2.97168 2.34414 3.78184 2.34414C4.58867 2.34414 5.24277 2.99824 5.24277 3.80508C5.24277 4.60859 4.58867 5.26602 3.78184 5.26602ZM14.4865 14.4865H11.9664V10.542C11.9664 9.60234 11.9498 8.39043 10.6549 8.39043C9.34336 8.39043 9.14414 9.41641 9.14414 10.4756V14.4865H6.62734V6.37168H9.04453V7.48066H9.07773C9.41308 6.84316 10.2365 6.16914 11.4617 6.16914C14.015 6.16914 14.4865 7.84922 14.4865 10.034V14.4865Z\" fill=\"#08368B\"\/><\/g><defs><clipPath id=\"clip0_5702_21335\"><rect width=\"17\" height=\"17\" fill=\"white\"\/><\/clipPath><\/defs><\/svg><\/a><\/div><\/div><\/div><div class=\"dklaw-author__block\"><div class=\"dklaw-author__image\" style=\"background-image:url(https:\/\/dklaw.com\/wp-content\/uploads\/2025\/10\/matt-taylor-featured-image.jpg);\"><\/div><div><p>Reviewed By<\/p><h4 class=\"wp-block-heading is-style-heading-serif\">Matt Taylor, Esq.<\/h4><h6>Senior Partner &#038; Director of Litigation<\/h6><p>Matt Taylor is a seasoned trial attorney at DK Law with 10+ years experience handling complex personal injury and premises liability cases.<\/p>\n<br><p><em>Last reviewed on March 20, 2026<\/em><\/p><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n<div id=\"form\" style=\"--bg-image: url(\/wp-content\/themes\/dklaw\/img\/dklaw-form-bg.jpg);\" class=\"dklaw-section dklaw-cta dklaw-cta-form alignfull wp-block-dklaw-cta-form has-background has-primary-beige-background-color\"><div class=\"acf-innerblocks-container\">\n\n<div class=\"wp-block-columns has-primary-black-background-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column dklaw-cta-form__bg-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<h2 class=\"wp-block-heading dklaw-cta-form__heading has-primary-white-color has-text-color\">DK <em>All the way<\/em><\/h2>\n\n\n<div class=\"dklaw-section dklaw-section__logos align wp-block-dklaw-logos\"><div class=\"acf-innerblocks-container\">\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"dklaw-logos align wp-block-dklaw-logos-repeater\"><div class=\"dklaw-logos__logo\"><img src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2025\/05\/form-award-1.svg\" loading=\"lazy\" decoding=\"async\" alt=\"NAOPIA Badge\"><\/div><div class=\"dklaw-logos__logo\"><img src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2025\/05\/form-award-2.svg\" loading=\"lazy\" decoding=\"async\" alt=\"Nation's Top One Percent Badge\"><\/div><div class=\"dklaw-logos__logo\"><img src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2025\/05\/form-award-3.svg\" loading=\"lazy\" decoding=\"async\" alt=\"Multi Million Dollar Advocates Forum Badge\"><\/div><div class=\"dklaw-logos__logo\"><img src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2025\/05\/form-award-4.svg\" loading=\"lazy\" decoding=\"async\" alt=\"Lawyers of Distinction Badge\"><\/div><div class=\"dklaw-logos__logo\"><img src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2025\/05\/form-award-5.svg\" loading=\"lazy\" decoding=\"async\" alt=\"The National Trial Lawyers Top 100 Badge\"><\/div><\/div><\/div>\n<\/div>\n\n<\/div><\/div>\n\n\n<p class=\"dklaw-cta-form__subheading has-primary-white-color has-text-color\">From Your Case to Compensation, we take your case <em>all the way.<\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\"><div class=\"dklaw-form align wp-block-dklaw-form\"><div class=\"acf-innerblocks-container\">\n\n<h4 class=\"wp-block-heading dklaw-form__heading\">Schedule a Free Consultation<\/h4>\n\n\n\n<p class=\"dklaw-form__subheading has-primary-green-color has-text-color\">Get Expert Legal Advice at <strong>Zero Cost.<\/strong><\/p>\n\n<\/div>\t\t\n\t\t\t\n\t<form id=\"dklaw-form\" class=\"dklaw-form__form\" role=\"form\" aria-label=\"Free Case Review Form\" data-redirect=\"\/ty\/thank-you\/\">\n\t\t<div class=\"dklaw-form__form-grid\">\n\t\t\t<div class=\"dklaw-form__form-field\">\n\t\t\t\t<label for=\"firstName\">First Name<\/label>\t\t\t\t<input type=\"text\" id=\"firstName\" name=\"firstname\" placeholder=\"First Name\" value=\"\" aria-required=\"true\" required>\n\t\t\t<\/div>\n\t\t\t<div class=\"dklaw-form__form-field\">\n\t\t\t\t<label for=\"lastName\">Last Name<\/label>\t\t\t\t<input type=\"text\" id=\"lastName\" name=\"lastname\" placeholder=\"Last Name\" value=\"\" aria-required=\"true\" required>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t<div class=\"dklaw-form__form-field\">\n\t\t\t<label for=\"email\">Email<\/label>\t\t\t<input type=\"email\" id=\"email\" name=\"email\" placeholder=\"Email Address\" value=\"\" aria-required=\"true\" required>\n\t\t<\/div>\n\t\t\n\t\t<div class=\"dklaw-form__form-field\">\n\t\t\t<label for=\"phone\">Phone Number<\/label>\t\t\t<input type=\"tel\" id=\"phone\" name=\"phone\" placeholder=\"Phone Number\" value=\"\" aria-required=\"true\" required minlength=\"14\">\n\t\t<\/div>\n\t\t\n\t\t<div class=\"dklaw-form__form-field dklaw-form__form-checkbox\">\n\t\t\t<input type=\"checkbox\" id=\"terms\" value=\"\" name=\"allow_texting\" aria-describedby=\"terms-note\" checked>\n\t\t\t\n\t\t\t<label for=\"terms\" id=\"terms-note\">By checking this box, you expressly consent to receive calls, text messages, and emails from DK Law regarding your inquiry, including communications sent using automated technology. 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Your UM coverage may pay, but settlement amounts depend on policy limits and injury severity.<\/p>","protected":false},"author":10,"featured_media":109350,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"_seopress_robots_primary_cat":"","_seopress_titles_title":"What's My Settlement Worth If Hit by an Uninsured Driver?","_seopress_titles_desc":"Hit by an uninsured driver in California? 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