What Happens If You’re Hit by an Uninsured Driver in California?

Car accidents are stressful enough, but when the at-fault driver doesn’t have insurance, the situation becomes even more complicated. If you’re hit by an uninsured driver in California, you may feel overwhelmed about how to cover medical bills, vehicle repairs, and other expenses. Fortunately, California law offers several paths for victims to seek compensation, and Razavi Law Group is here to help guide you through the process.

California’s Insurance Requirements and Uninsured Drivers

California law requires all drivers to carry a minimum amount of liability insurance to cover potential injuries and property damage caused in an accident. These insurance requirements are intended to ensure that victims of car accidents have a financial resource to turn to for medical expenses, vehicle repairs, and other losses.

Unfortunately, many drivers on California roads either do not carry insurance at all or let their policies lapse. When an uninsured driver causes an accident, it can leave victims in a difficult position. Without an active insurance policy to make a claim against, injured parties must look to other legal options to pursue the compensation they need.

Options for Compensation After Being Hit by an Uninsured Driver

1. Uninsured Motorist (UM) Coverage

California requires insurance companies to offer Uninsured Motorist (UM) coverage as part of every auto insurance policy, unless the policyholder specifically waives it in writing. If you have UM coverage, you can file a claim with your own insurance company to recover damages for:

Medical bills
Lost wages
Pain and suffering
Property damage (if you also have Uninsured Motorist Property Damage (UMPD) coverage)

UM coverage can be a lifesaver in these situations, but insurance companies are often reluctant to pay full value—even on your own policy.

2. Collision Coverage

If you have collision coverage, it can help pay for the repairs to your vehicle regardless of fault. However, you would still be responsible for paying your deductible.

3. Filing a Personal Injury Lawsuit Against the Uninsured Driver

You can also sue the uninsured driver directly. However, many uninsured drivers lack the financial resources to pay a judgment, making it difficult to actually collect the money you’re awarded.

Challenges in Uninsured Motorist Claims

Filing a UM claim isn’t always easy. Even though you’re dealing with your own insurance company, they may:

Dispute the extent of your injuries,
Offer less than your claim is worth, or
Delay payment unnecessarily.

Insurance companies often act more like opponents than allies when money is on the line. That’s why having strong legal representation is critical.

How Razavi Law Group Can Help You After an Uninsured Driver Accident

At Razavi Law Group, we understand the frustrations that come after being hit by an uninsured driver. Here’s how we help protect your rights and maximize your recovery:

1. Handling All Insurance Communications

We take over all communications with your insurance company and any other involved parties. You won’t have to worry about saying the wrong thing or being pressured into a low settlement.

2. Building a Strong Claim

Our team gathers medical records, accident reports, witness statements, and expert evaluations to build a comprehensive claim that clearly demonstrates your injuries and damages.

3. Negotiating Aggressively

Insurance companies respect attorneys who come prepared. We negotiate strategically to fight for the full value of your claim, not just what the insurance company wants to pay.

4. Taking Legal Action if Necessary

If your insurance company refuses to offer a fair settlement, Razavi Law Group is ready to take your case to court to demand the compensation you deserve.

5. Providing Compassionate Guidance

We know how disruptive an accident can be. Our attorneys and staff offer personal attention, consistent updates, and a clear plan of action, so you always know what to expect.

Protect Yourself: Tips After an Accident With an Uninsured Driver

Call the police immediately. A police report is critical for documenting the uninsured driver’s fault.
Exchange information carefully. Even if the other driver admits they don’t have insurance, get their name, address, license number, and vehicle information.
Notify your insurance company. Report the accident as soon as possible, especially if you intend to file a UM claim.
Seek medical treatment. Document all injuries promptly, even if you don’t feel hurt right away.
Consult an attorney. Don’t wait until insurance negotiations fall apart—getting legal help early can strengthen your case.

Don’t Fight Alone — Contact Razavi Law Group Today

If you’ve been hit by an uninsured driver in California, you shouldn’t have to navigate the insurance claims process alone. Let Razavi Law Group stand by your side. We have extensive experience helping accident victims recover full and fair compensation, even in difficult uninsured driver cases.

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