If another driver hit you in a traffic accident, you are entitled to compensation if you suffered injuries in the crash. Usually the person responsible for this compensation is the insurance company of the other driver. Even though California makes it mandatory everyone carries insurance, sometimes this is not the case.
If the other driver did not have insurance you may be able to file a claim against your own insurance company, this is called an Uninsured Motorist claim. All insurance companies in California must offer a minimum of $15,000/$30,000 coverage. The $30,000 is for when there is more than one party injured in a crash.
I recommend that you purchase higher coverage, as these claims are more common than most people think. Uninsured motorist coverage may also apply even when the other party has insurance. If the coverage on the other car is less than your uninsured motorist amount, you may file a claim.
You may be hesitant to file a claim against your own insurance company, afraid that premiums may rise. However, it is important to remember your premiums or rate should not be affected by any claims under your uninsured/underinsured motorist coverage.
If you or a loved one has been injured in an accident, and the other driver did not have valid insurance at the time, do not worry give Joseph Dang a call 858-925-4525 to discuss your options.