What do I do if the driver responsible for the accident did not have insurance n I only have what the ca state requires.?
5 attorney answers
1. At this point in time, and in the future, do not communicate with your own automobile insurance carrier. Your own automobile insurance carrier does not have your best your interest(s) at mind and at heart. You need to hire a licensed California Personal Injury Attorney to represent you and help you out immediately. This would be assuming that you have uninsured motorist coverage.
2. Assuming that the automobile accident occurred in the State of California, in which city and county did the automobile accident occur?
3. On what date did the automobile accident occur?
4. Was there a police report made/filed?
If you don’t have Collision coverage or Uninsured Motorist coverage, and the other truly does not have any applicable automobile insurance, you can file a personal injury and property damage lawsuit against the at-fault party. Be aware, however, that if the person you are suing has no attachable assets and is truly uninsured, you may be stuck with a judgment with no actual way of collecting on it. You will have to do a cost-benefit analysis to see if it is actually going to be financially feasible to file a lawsuit in a case like that as you may be spending more than you will ever get back.
Be aware, however, that with no Bodily Injury coverage for the at-fault driver and no Uninsured Motorist coverage on your policy, you will not find an attorney to assist you as there would be no way for the attorney to get paid.
Please do not message me for further advice or call my former law firm if you have any further questions. If you are in need of an attorney to assist you, please search for another attorney in the jurisdiction involved in your case, as I am now retired, and my former law firm is no longer handling these types of cases. I am active on AVVO and answer questions only as a public service at this point.
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California does not, unfortunately, require uninsured motors protection. If you had it, you’d be fine. Oops.
This is general advice. You are anonymous. If you PM me i won’t know what it’s about.
Guess you will have to sue the guy. You also go and get proper insurance.
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Asked and answered.
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