Los Angeles, CA personal injury attorney Narbeh Shirvanian explains what to do if the driver who injured you doesn’t have insurance. One of the most critical issues in California motor vehicle accidents revolves around the presence or absence of insurance coverage, often manifesting as either a lack of insurance or insufficient coverage. This situation unfolds in two facets with corresponding solutions. The state’s minimum insurance requirement is $15,000 per person and $30,000 per accident, stipulated by the California legislature. However, compliance with these minimums is not universal.

When an injured party contacts the legal professionals for consultation, a common realization is that the at-fault party lacks insurance coverage, posing a significant problem. In the handling of cases and due diligence, the legal team strives to identify all applicable insurance policies. If the at-fault party lacks insurance, attention turns to the injured party’s own insurance, specifically the presence of uninsured motorist coverage at the time of the incident.

Contrary to a common misconception, having “full coverage” doesn’t inherently ensure protection. Full coverage merely signifies the acquisition of various insurance lines offered by the carrier. To pursue a viable personal injury claim when the at-fault party is uninsured, it becomes imperative for individuals to have uninsured motorist coverage. This realization can be a challenging conversation, especially when individuals discover the lack of coverage during a state of panic. Having uninsured motorist coverage is crucial in California, and relying on the responsibility of other drivers for adequate coverage is not a reliable strategy for safeguarding personal injury claims.

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