What if the at-fault party does not have auto insurance in San Diego?
How does insurance repair my car if the other party doesn’t have insurance?
It’s the worst nightmare for many road users – getting into a car accident in San Diego and then finding out that the other driver is an uninsured motorist. Who will fix my car? How will I claim compensation? What do I do after a car accident if the other driver doesn’t have insurance? These are all questions that are probably going through your mind. Let’s find the answers!
Dealing with a car accident in San Diego
First, the steps in dealing with a San Diego car accident are identical, whether the other driver is uninsured or has a full policy. What does this mean? On the one hand, receive medical attention at the scene or in the days after. If you forgo medical care, it is much more difficult to prove injuries later in the process. While talking to a doctor, not only do you begin the path to healing, but you also begin a process of paperwork after the car accident. Even if it feels fine, some injuries remain hidden below the surface, so it’s always best to get it checked out. While you’re still on the scene, make sure someone contacts the police because the officers will come and file a report (again, something that can help when faced with an uninsured motorist!). Uninsured drivers often discourage other parties from calling the police, but this is simply because they fear the consequences. Your priority is compensation, so keep this in mind. If possible, take pictures of the scene, as this may help your claim later. If the uninsured motorist tries to deny your claims, they have photographic evidence to prove their case. Also, write down the driver’s contact details and at the same time get information from any eyewitnesses.
Seeking compensation
How do you get paid after a car accident with an uninsured driver? Well, you actually have a few different options, and we recommend that you contact San Diego car accident attorneys to discuss these options and choose the right path for you and your family.
Make a PIP claim
First of all, we must keep in mind that California is a no-fault state. This basically means that all drivers should first contact their own insurance company after a car accident. As a driver, you must have PIP (Personal Injury Protection) insurance. Therefore, you must file a PIP claim if you have suffered injuries. Before you continue to think about lawsuits and claims against the culprit, be sure to claim your PIP insurance. You cannot take further action against another driver if you have not yet exceeded the limits of your PIP insurance coverage. If you only experienced minor injuries, you won’t need much compensation and PIP coverage will help you. If PIP doesn’t even come close to providing adequate compensation (and it won’t in serious accidents), you should contact the friendly and helpful
Filing a car accident collision claim
In some circumstances, the victim can file a collision claim in a car accident and this helps cover any damage to the vehicle. After a car accident, the focus is usually on the person, but you probably also have a car that needs help. Depending on the extent of the accident, this coverage will pay for repairs or a replacement vehicle. Don’t pay for repairs or a replacement before you’ve explored all of your options, something you will do in great detail with a San Diego car accident attorney. We will start with a free consultation and then discuss your options from here.
Uninsured motorcyclist activation
Each year, drivers are encouraged to invest in an uninsured driver with their insurance. If you followed the advice, you are now in a strong position because you can activate the pilot after a car accident. Talk to San Diego personal injury attorneys and we will file the claim to cover all damages caused by the accident. If you’re like most drivers, you didn’t include this rider on your insurance policy when setting it up because it wasn’t a necessity. Every year, we spoke to drivers who did not want an additional cost on top of their policy. At the same time, we’ve also talked to drivers who added the rider to their policy without even realizing it. If you are unsure whether you have this rider, contact us today and we will help you review the fine print of your contract. Many people look at their insurance policy, find that the passenger is not present, and then give up. Don’t, and this is because there are other options available.
Filing a car accident personal injury lawsuit
At this point, you have claimed your own policy because San Diego is a no-fault state. What’s more, you’ve filed a car accident collision claim and verified your insurance policy for uninsured motorist coverage. Unfortunately, it is possible that enough has not yet been recovered to cover all the damages. Otherwise, you may have the option of filing a lawsuit against the guilty party. Since this is a heavy and intense process, we recommend hiring a trustworthy and professional attorney. For example, San Diego Auto Accident Attorneys will protect your legal rights and guide you through the process. While you focus on recovery, we will handle the side of the auto accident lawsuit. This means gathering evidence, speaking with eyewitnesses, corroborating documents, and taking appropriate legal action. If you experienced a car accident that was not your fault, you shouldn’t stop dealing with the damages just because the other driver doesn’t have auto insurance. At all times, we will try to recover compensation for damages caused by the car accident. In other words, get enough so you don’t have to find funds for medical bills, lost wages, and other damages.
Follow the advice in this guide, claim PIP insurance, and contact San Diego Auto Accident Lawyers for further assistance. We can answer your questions and help you get started on the path to compensation!