Encinitas, CA personal injury attorney Jeffrey Padilla talks about what to do if the driver who caused the accident doesn’t have insurance or is underinsured. This topic is crucial for the firm as it seeks to educate clients and the general public about the importance of auto insurance in accident situations. Every driver with an auto policy possesses uninsured or underinsured motorist coverage, which not only follows the vehicle but also extends to the driver and their immediate family, regardless of their location. This means that whether someone is a pedestrian, riding a bicycle, or in an Uber, if a motor vehicle causes an injury, that coverage is activated and provides protection up to the policy’s limits. The firm encourages individuals to review their auto policies to ensure they have adequate uninsured motorist bodily injury coverage to protect themselves in these situations.