Uninsured and Underinsured Accidents in California
Getting into a car accident is stressful enough—but when the at-fault driver doesn’t have insurance or doesn’t have enough of it, recovering compensation becomes much more complicated. In California, insurance coverage plays a critical role in how much you can recover after an accident. If you’re facing medical bills, property damage, or time off work, understanding your legal rights is essential.
At EFS Law Center, our uninsured accident attorneys are here to help you pursue the compensation you need, even when insurance coverage is limited or missing entirely.
The Problem with Uninsured or Underinsured Drivers
In California, drivers are legally required to carry minimum liability insurance. However, not everyone follows the law—or carries enough coverage to fully cover the damages from a crash.
If the at-fault driver doesn’t have insurance—or only carries the state minimum—it could leave you stuck with expenses that go far beyond what their policy will pay. Likewise, if you’re uninsured or underinsured at the time of the accident, your ability to recover certain types of damages may also be limited.
Understanding California’s “No Pay, No Play” Rule
California is a tort state, which means the driver who caused the accident is responsible for the damages. But the law also includes a “No Pay, No Play” rule: if you didn’t carry the legally required insurance at the time of the crash, you may be barred from recovering non-economic damages, such as pain and suffering—even if you weren’t at fault.
You may still be eligible to recover compensation for your medical bills, but your recovery options are significantly limited without proper coverage.
Minimum Coverage Requirements in California
California law requires all drivers to carry minimum auto liability insurance:
If you cause an accident and don’t have this coverage, you may be personally responsible for all damages. This can lead to wage garnishment, lawsuits, heavy fines, and even license suspension.
How Uninsured Motorist Coverage Can Help
If you’ve been hit by an uninsured or underinsured driver, your own insurance policy may protect you—if you carry uninsured/underinsured motorist coverage (UM/UIM). This type of coverage allows you to file a claim with your own insurer when the at-fault driver can’t fully cover your expenses.
However, even when working with your own insurance company, you may face pushback. Insurers often undervalue claims and pressure you to settle quickly. That’s where we come in.
Filing a Claim After an Uninsured Accident
After an accident, it’s critical to gather documentation, including police reports, medical records, and photos of the scene. Then, contact EFS Law Center.
Our team will review your case, handle communications with the insurance company, and fight to secure the full compensation you deserve. Whether the other driver had no insurance—or not enough—we’re here to protect your rights.
Let Us Help You Recover
Don’t let someone else’s lack of insurance prevent you from getting the help you need. Contact EFS Law Center today at (310) 800-0000 or schedule a free consultation. Let’s make sure your recovery includes the financial support you deserve.
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EFS Law Center
The personal injury attorneys at EFS Law Center guide you through California’s legal system with compassion and experience, helping you understand your rights, evaluate your claim, and pursue the compensation you deserve after an injury.
