At-Fault Driver Doesn't Have Car Insurance. Now What?
Being involved in California car accident is scary enough, but it can be even more worrisome when you find out the at-fault party doesn't have car insurance. You’re hurt. Your car is damaged. Now what? Consider these options to make sure that you get the care that you need and that your legal rights are protected.
Look at Your Car Insurance Policy
If you have collision coverage, medical payments, or uninsured motorist coverage, you’ll be able to get some of the help that you need right away.
- With collision coverage, your insurance company fixes your vehicle even when someone else is at fault if you pay your deductible.
- With medical payments, your insurance company provides payments for you and / or your passengers to get medical treatment for the car accident. There’s usually a dollar limit.
- With uninsured motorist coverage, you get additional payments made toward your medical expenses (additional if you also have medical payments; otherwise, this portion of your insurance will still pay for part of your medical expenses). Uninsured motorist coverage may also cover part of your lost wages if you’re not able to work after the car accident.
Use Your Health Insurance Policy for Medical Care That You Need
If you have health insurance, you could rely on the coverage of your policy to help you get medical care. Make sure that you keep copies of any documents that you receive from a doctor, healthcare clinic, or hospital. You should also keep copies of receipts for money you pay out of pocket for co-pays for medical care, hospital care, prescriptions, or physical therapy. An experienced California car accident attorney may be able to help you get reimbursed for your out of pocket expenses.
Consider a Lawsuit
You may want to consider filing a personal injury lawsuit against the at-fault driver to recover financial compensation for your injuries, lost wages, medical bills, emotional suffering, and more. For a free, no obligation consultation, contact the experienced accident attorneys at Ghozland Law Firm today.