Los Angeles Car Accidents: What Happens If There’s No Car Insurance?

While it is illegal to drive on California roads and highways without insurance or proving financial responsibility, it still happens — and quite often. In fact, recent surveys indicate that almost 15% of drivers are operating their vehicle without auto insurance. Los Angeles car accidents involving a car without car insurance can be scary. What…
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Los Angeles Car Accidents: What Happens If There’s No Car Insurance?

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While it is illegal to drive on California roads and highways without insurance or proving financial responsibility, it still happens -- and quite often. In fact, recent surveys indicate that almost 15% of drivers are operating their vehicle without auto insurance. Los Angeles car accidents involving a car without car insurance can be scary.

What happens if the driver of the vehicle that hit you does not have car insurance? Are you responsible for and stuck paying your own bills?

If the Insured Driver Is at Fault in a California Car Accident

Under California Proposition 213, the “no-pay no-play law,” insured California drivers who are involved in a car accident are somewhat protected in the event that they are found at fault for the accident. The uninsured driver may not sue the insured driver for the law considers non-economic losses. While the uninsured driver may still recover for medical bills, car repairs, etc., they may not recover for physical or psychological pain and suffering. The law also requires that the economic losses have $10,000 deducted from the amount of property damage to account for the minimum amount of insurance coverage the uninsured driver should have carried at the time of the California car accident.

If the Uninsured Driver Is at Fault in a California Car Accident

Under California law, if the uninsured driver is at fault for the car accident, they are not entitled to financial compensation from the insurance company for their medical bills or property damage even if their losses are more significant than the insured party. The insured river still has the right to sue the uninsured driver for the damages they suffered. Additionally, the uninsured driver will face penalties by the State because driving without insurance is a crime. They may be fined, their vehicle may be impounded, and they may even have their driver’s license suspended. In other words, Prop 213 prevents drivers injured in a car accident from obtaining monetary compensation for their pain and suffering even when the accident was not their fault if they lack car insurance or the car they were driving was not covered by insurance.

Involved in a California Car Accident? Get Help

If you’re involved in a California car accident with a driver who didn’t have car insurance, you have legal rights and an experienced Los Angeles injury attorney will be able to help you protect them. Contact the skilled personal injury attorneys at Ghozland Law Firm today for a free, no obligation consultation about your car accident.

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We Have Over 40 Years Experience in Employment & Personal Injury Law

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Our employment & personal injury attorneys recognize that the individuals we work with are typically going through overwhelming and stressful times in their lives. When an individual hires us, we strive to provide the client with the strong legal representation and effective counsel they need to receive fair and just compensation. Our experienced attorneys are dedicated to helping our clients in their time of need. Our employment & personal injury team is comprised of well-respected lawyers who have been involved in several multi-million dollar settlements, earning us membership in the Million Dollar Advocates Forum®. This further demonstrates our ability to take on complex accident cases.

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They did good by me and my kids Got my car fixed and hooked my kids up!! Thanks jasmine.

C. Hernandez

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I would like to say what a Awesome Law Firm. I Highly recommend GLF to my family and friends and everyone else. I had a unique case and they worked very hard for me and came THRU. Again thank you for always answering my calls and questions. Special thanks to Mike Ghozland.

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I was involved in a motorcycle and 3 car crash that was caused by some guy with a suspended license and no insurance. This law firm saved my life- literally. Insurance was refusing to help cover anything but my car damage and 3 chiropractor visits. It ended up that I had...

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Good firm that takes care of their clients. I highly recommend them if you need a lawyer. They will treat you like family

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Very professional, excellent lawyers, thanks to them they were able to fix my car 🚗 and win my case, many thanks to Jazmín and Maira, very kind and patient. I highly recommend them. 😊

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Wow. This past year was a rough year for me. I was hit by a car while riding my bicycle back in June and then was laid off in November. But Jasmine Jackson, Cory Hernandez and the rest of the team at the Ghozland Law Firm really turned that around for me. Within a day after...

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They have been super helpful and on top of my case. Everyone that I have dealt with at this law firm have taken the and been patient with answering all of my questions and concerns. I highly recommend this law firm.

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I definitely recommend Ghozland Law firm. I have been a Client for yrs. Michael is extremely patient, cares for his clients, and very good with communicating and Jasmine is the best She goes above and beyond. She is so attentive and caring. She’s the Goat.

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A friend of mine referred me to Michael after I was in a car accident. It was a complicated case that involved several cars. I mostly communicated with Jasmine, who was so kind and helpful. We were immediately able to get medical care and time off from work. They even sent...

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Very professional, Michael and Nathan helped me out when I was in a major accident, I needed physical therapy. No more than six months later I was in another accident that aggravated my prior injuries. Non the less the driver was uninsured. I turned to the Ghozland firm...

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The Ghozland Law Firm, have done an amazing job, having this to be my first mayor accident they were attentive, helpful and always trying to make it easy as possible. Everyone that works at the firm has been friendly. In addition thank you to Jasmine J. And Michael for all...

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I can't say enough about the expertise of this firm and Jennifer's natural willingness to go above and beyond at every step with the cases she has successfully executed on my behalf. I urge all to use Ghozland for cases that are in their wheelhouse, you'll not be disappointed!

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First time having to need a personal injury attorney. Jasmine and the Ghozland law firm team made it stress free and hassle free. We got a great settlement and I got the treatments I needed. Professional service. I highly recommend them.

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Amazing, Professional and Honest. The Ghozland Law firm has showed me why I made the right choice. Jasmine was helpful every step of the way to make sure that my case went smooth as possible. They handled everything since day one and did not stop until I was satisfied. Thanks...

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Jasmine J. And Michael have been amazing. From the date of my accident till today's date they have been by my side every step of the way. I am happy to say that i can refer them to friends and family and have faith that they will take care of other clients just as well as...

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With over 40 years of experience, we have handled many slip and fall cases. I can provide you with the caliber of legal services that is normally available only to large companies, due to my experience in large-scale litigation that has resulted in awards of millions of dollars on many occasions. In 2014, Michael Ghozland was named “Street Fighter of the Year” by Consumer Attorneys of California in 2014. Because of my outstanding trial record, winning your case will probably mean obtaining a private settlement, with no need to ever step into a courtroom. Insurance companies know my reputation, and most of them would rather settle than face me in a slip and fall lawsuit.