So if the person who caused the accident you were in does not have insurance, you still have plenty of options.
Many Californians have — actually, it is required in California — to have uninsured or underinsured motorist coverage, unless you specifically waive it in your own auto policy.
So even if you don’t think that you have any coverage for UIM or underinsured or uninsured motorist coverage, you probably do.
This coverage can step in to pay for medical bills, lost wages, and other damages.
So, if you have waived the coverage, like I mentioned, you may still be able to pursue the at-fault party personally — though collecting on that judgment may be more difficult.
Speaking with a lawyer early can help you explore the best path forward in your case.