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Vehicle accidents are not something any driver or passenger wants to experience. Unfortunately, crashes are not uncommon in and around our area. These cases can become immensely more complicated if you are struck by an uninsured driver. Here, we want to discuss the steps you can take in the aftermath of a crash involving an uninsured driver. These steps can be used for a traditional uninsured motorist accident as well as an accident involving a hit and run driver.
The reality is that accidents happen all the time. In most cases, the drivers involved all have valid insurance, and the claims are resolved through settlements with the respective carriers. However, data provided by the Insurance Information Institute shows us that approximately 15% of all drivers in California are uninsured (during a recent reporting year). This is a significant percentage of drivers on the roadway.
Data available from the California Office of Traffic Safety shows that there were more than 272,000 total vehicle collision injuries during the latest reporting year across the state. Unfortunately, many of those injured were struck by uninsured drivers and struggled to obtain fair compensation for their losses.
If you or a loved one are involved in an accident with an uninsured driver, there are various steps that you can take to ensure that you are treated fairly and that you have the best chance to receive full compensation for your losses.
In order for drivers to remain legal on the roadway in California, they must carry the following minimum insurance coverage amounts:
You will notice that uninsured and underinsured motorist coverage is not required in California. However, it is highly recommended that all drivers purchase and carry this coverage. Uninsured motorist coverage is not overly expensive, and will certainly help you cover medical expenses in property damage in the aftermath of an accident involving an uninsured or hit and run driver.