This transcript was AI generated.
Transcript:
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So, what happens if the other driver has no insurance? It’s a good question, and it’s a tough situation, but here’s what you need to know. In California, all drivers are supposed to carry liability insurance, but not everyone does. And if you get hit by someone who does not have coverage, it can leave you stuck unless you’re protected yourself. That’s where uninsured motorist coverage comes in. It’s also called UIM. If you have it, your own insurance steps in and covers your medical bills, lost wages, and even
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pain and suffering, just like the other driver’s insurance would have. Not sure if you have it? Check your policy or call your agent. It’s most likely that you do because in California, you have to opt out and sign a waiver to not have it, at least for the state minimum of $30,000. If you don’t have coverage, things get harder. You can try to set sue the at fault driver personally, but if they don’t have insurance, they probably aren’t the richest people around or billionaires. Collecting can be
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extremely difficult. If you’ve been hit by an uninsured driver, don’t guess your way through it. Call us. will walk you through your options and fight to get you every dollar that you are