What If the At-Fault Driver Has No Insurance in California?
Being involved in a car accident is stressful enough—but discovering that the at-fault driver has no insurance can make the situation feel even more overwhelming. Unfortunately, California has one of the highest rates of uninsured drivers in the country.
If you were in a car accident with an uninsured driver in Chino Hills or anywhere in Southern California, it's crucial to know your rights—and how to protect yourself financially.
At Clavel Law, we help victims of uninsured and underinsured motorist (UM/UIM) accidents recover the compensation they deserve, even when the other driver can't pay.
๐ California Law Requires Insurance—But Not Everyone Follows It
California law requires all drivers to carry minimum liability insurance, which includes:
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$15,000 for injury or death to one person
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$30,000 for injury or death to more than one person
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$5,000 for property damage
Despite this, about 16% of California drivers are estimated to be uninsured. That means your chances of being hit by someone without coverage are alarmingly high.
๐ What Happens If the At-Fault Driver Is Uninsured?
If you’re in a car accident with an uninsured driver in Chino Hills, you cannot file a claim against their insurance—because they don’t have any. This limits your options, unless you’ve taken proactive steps.
You can still:
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File a personal injury lawsuit against the driver (but collecting damages may be difficult if they lack assets).
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Use your own UM/UIM coverage, if you have it.
๐ก๏ธ What Is UM/UIM Coverage in California?
Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage are optional but highly recommended additions to your auto policy.
โค UM Coverage helps if:
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The other driver has no insurance at all
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You’re the victim of a hit-and-run accident
โค UIM Coverage helps if:
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The at-fault driver’s insurance doesn’t fully cover your damages
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You have higher losses than their liability limits
This coverage can pay for:
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Medical expenses
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Lost wages
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Pain and suffering
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Vehicle damage (depending on your policy)
โ Keyword tip: UM/UIM coverage CA | uninsured driver accident Chino Hills
๐งพ How to File a UM/UIM Claim in California
If you carry UM/UIM coverage, you can file a claim with your own insurance company. The process generally involves:
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Proving the other driver was at fault
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Documenting your injuries and financial losses
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Cooperating with your insurer’s investigation
โ ๏ธ However, just because you’re dealing with your own insurance company doesn’t mean they’ll automatically act in your best interest. Insurers often undervalue claims—even UM/UIM ones.
That’s why it’s critical to consult with a Chino Hills personal injury lawyer to ensure you receive the full compensation you're entitled to.
โ๏ธ Can You Sue an Uninsured Driver in California?
Yes—but with caution.
You can file a lawsuit directly against the at-fault uninsured driver. However, many uninsured drivers don’t have significant income or assets, which makes collecting your judgment very difficult.
For most victims, the best strategy is pursuing compensation through their UM/UIM policy—with help from an experienced attorney.
๐ Why Hire Clavel Law for Your Uninsured Driver Accident Case?
At Clavel Law, we’ve helped countless clients in Chino Hills and across the Inland Empire navigate the complex aftermath of accidents with uninsured drivers. We can:
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Review your auto insurance policy for UM/UIM options
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Handle communications with your insurer
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Maximize your compensation through skilled negotiation or litigation
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Help file a lawsuit when needed
You don’t have to face this challenge alone.
๐๏ธ Contact a Chino Hills Car Accident Attorney Today
If you’ve been hit by an uninsured or underinsured driver in California, don’t assume you’re out of options. Let Clavel Law help you understand your rights and fight for the compensation you deserve.