What To Do If An Uninsured Driver Hits You?

Updated: August 20, 2021

What To Do If An Uninsured Driver Hits You?

If you or a family member get into an accident that is caused by a negligent driver, you need to know how the law works and what your best steps are.

In California, so many drivers don’t have car insurance (or just the bare minimum) but they drive every day on the same roads you and your loved ones travel on.

The best way to protect yourself is to truly understand how insurance works and what your options are. So if you are injured by an uninsured motorist you’ll be prepared for what lies ahead. The best thing you can do after an accident is to speak with an experienced car accident lawyer.


Uninsured Motorist Vs. Under-Insured Motorist

If you are injured in an automobile accident with an uninsured driver, then you would be able to use your own UM / UIM insurance coverage.

By adding this additional policy to your insurance, you’ll be happy you did when the day comes that you need it – as they say, “accidents happen” so be prepared.

  • Underinsured Motorist Coverage – this would be used when the driver at fault for the accident has insurance but they don’t carry a large $ enough policy to cover your damages and injuries.
  • Uninsured Motorist Coverage – this would be used if the driver at fault for the accident doesn’t have insurance at all (illegal in California), or if the accident is a hit and run.


Why Contact The Law Offices of Daniel Kim

Dealing with the aftermath of any car accident is quite stressful, but when you are injured in a car accident that involves another driver without insurance, it gets even more complicated.

Daniel Kim and his legal team have years of experience helping injured victims who were hurt by an uninsured driver.

Call Daniel Kim today and he’ll help:

  • Get your car repaired or get top dollar for replacement
  • Get you the medical care you need and help with medical bills
  • Get your lost wages and income
  • Tell you how much money your case is worth
  • Fight to get you the maximum compensation
  • Daniel Kim and his law firm have 5-Star Reviews from over 1,000 clients on Google and Yelp

Additional Benefits

  • Our settlement success rate is over 96%
  • You can contact us 7 days a week, 24 hours a day
  • We only handle car accident injury cases – we know what we’re doing
  • We can come to you if you can’t make it into the office
  • When you call us you can speak with Daniel Kim himself, not just an employee


Steps to Take After Being Hit By Uninsured Motorist

Sadly there is a good chance you’ll be in a few accidents in your lifetime here in California. It can happen just like this, you are waiting at a red light, and BAM, a car hits you from behind.

After being rear-ended you feel some whiplash and neck pain and you pull off the road. The other driver pulls over also and then tells you they have no car insurance.

Don’t panic, instead follow these steps:

  1. Call the police – it’s always smart to call the cops and have them show up and make an official police report which you’ll need later when you hire Daniel Kim.
  2. Exchange information – even though they don’t have insurance you want to get their driver’s license and contact info.
  3. Take pictures – you will want evidence of your car, the other car, the scene itself, your injuries, etc.
  4. Get witnesses info – if there are witnesses get their contact info also
  5. Call Daniel Kim Law Offices – Don’t wait or stall, call us immediately and protect your legal rights.


Why You Need UM/UIM Coverage

Although driving a car in California is a right, it should also be considered a bonus. Many drivers both young and old don’t have any car insurance, and many don’t follow the traffic laws.

With all of this in mind, you want to understand how insurance works because it’s complex. California state law does require all drivers to carry a minimum auto-liability auto policy.

The state of California insurance website offers great details. You don’t want to rely on other unsafe drivers to carry the proper insurance based on these types of factors listed below:

  • 1 in 8 California drivers was uninsured in 2016
  • Most accidents exceed the minimum insurance coverage that drivers carry
  • An estimated 1 in 3 drivers was underinsured
  • Normally drivers without insurance don’t have many assets to go after in court


Don’t Accept Under the Table Payment From an Uninsured Driver

If you are suddenly rear-ended or side-swiped and you find out the other driver doesn’t have car insurance, it can be tempting to let them pay you cash. This happens a lot when the uninsured motorist doesn’t want you to call the police after you’ve been hit but doesn’t accept cash in this situation.

When you have just been hit you’ll be stressed out and your body might go into shock which can lead you to believe you are not injured.

At this point you won’t know if you are injured, or how bad the injuries actually are (until you seek medical help), not to mention you won’t know what the damage is to your vehicle. So even though you might be tempted to take a $1,000 or whatever in cash, don’t do it.


Can You Sue an Uninsured Driver?

The basic answer is yes you can sue an uninsured driver (or underinsured) after a collision. Daniel Kim Law Office is very experienced in helping car accident victims that were injured by uninsured drivers. If you were injured as a passenger in a car wreck, you have legal rights also.

Many times these drivers who have no insurance also don’t have a lot of possessions or money and fighting the insurance companies and court system is difficult. Suing an uninsured driver is worth it if you can get your medical bills and vehicle repairs paid for.

But don’t take all this on your shoulders when it comes to filing a lawsuit. When you hire us you don’t pay us any money unless we win your case and get you compensation.


Common Injuries From Uninsured Motorist Accidents

These types of accidents usually see the injured victims suffer from the same types of injuries as any other motor vehicle crash.

There are so many factors that can determine what injuries happen,  like what kind of vehicle were you driving, what type of car hit you, were you wearing a seatbelt, your age, and health, etc.

If you’ve been injured in a car accident always go to the hospital to get medical treatment, and after that contact Daniel Kim Law Offices to get answers to your questions.

These are the common injuries we see:


Common Causes of Car Accidents

If you are lucky you might go through your entire life and never be involved (or injured) in a car accident. But the odds are that at some point you (or a loved one) will be in a car accident and potentially injured.

The NHTSA offers detailed stats on this subject. There are literally a hundred common causes for car crashes, but sadly most are due to driver error (meaning somebody being negligent).

It might also depend on what the person is driving for, say if you work as a driver for Amazon or Uber Eats you might be in a hurry. Here are the more common causes for auto accidents in California:

  • Distracted driving – texting, emailing, looking at kids in the backseat
  • Speeding – people never learn and still go well above posted speed limit signs
  • Alcohol and drugs – pills, booze, weed
  • Mechanical failure – faulty brakes, bald tires, broken windshield
  • Road conditions – heavy rains, potholes, missing street lights
  • Road rage – people act ignorant and run each other off the road


How an Uninsured Driver Claim Works

If you have been injured in a car accident and you believe the other at-fault driver doesn’t have auto insurance, then you should contact your insurer ASAP.

Some automobile insurance policies will have strict deadlines on their customers when it comes to the notification of potential uninsured claims. Sometimes this deadline could be just 30 days so don’t delay.

If the other driver tells you they don’t have insurance, or if you just simply can’t get that information then you need to inform your insurance company immediately.

This is also the time to contact Daniel Kim Law Offices so we can help. An underinsured driver claim usually takes a little longer to develop.

Normally you won’t know right away that you are going to have an underinsured driver claim, as you’ll probably have to wait until your medical treatment progresses and our law firm gets a better understanding of how much your car accident case is gonna be worth.

As soon as Daniel Kim and his staff believe that your case is worth more than the defendant’s liability coverage in place, your insurer needs to be notified right away that an underinsured claim is being made.

This whole process is time-consuming and stressful with stuff like the pretrial investigation, deposition of witnesses and disclosing medical records, etc.

This is why you need to contact The Law Offices of Daniel Kim today to protect your legal rights and to protect your family.