What to Do After an Uninsured Driver Hits You in California: A Summary
This article provides crucial guidance for Californians involved in a car accident with an uninsured driver. Here’s a 100% summary of the key takeaways:
1. Immediate Actions at the Scene:
* Safety First: Ensure your safety and the safety of others. Move to a safe location if possible.
* Call the Police: A police report is essential for your claim.
* Gather Information: Collect details about the other driver (name, address, driver’s license info), their vehicle (make, model, color, and crucially, the license plate number), and any witnesses.
* Document Everything: Take clear photos of the damage to all vehicles, the accident scene (including road conditions, signs, and barriers), and any visible injuries.
2. Understanding Your Insurance:
* California Minimums: All drivers are legally required to have 15/30/5 liability coverage.
* beyond Minimums: Consider additional coverage like collision insurance (protects your vehicle regardless of fault).
* Know Your Policy: Understand exactly what your insurance covers to avoid surprises.
3. Prioritize Medical Care:
* seek Medical Attention: Don’t dismiss potential injuries, even if you feel okay initially. Adrenaline can mask serious issues like whiplash or concussions.
* Document medical Care: Keep detailed records of all doctor visits, medications, and treatment plans. Follow medical advice consistently.
* Long-Term Impact: Discuss potential long-term effects of your injuries with your doctor.
4. Legal Options & Time Limits:
* Three Claim Options:
* Your Own Insurance: File a claim with your insurance company.
* Uninsured Motorist Claim: Pursue a claim against the uninsured driver.
* Third-Party Negligence: If another party contributed to the accident, you can pursue a claim against them.
* Consult a Lawyer: An uninsured motorist lawyer can provide invaluable guidance.
* Statute of Limitations: California’s personal injury law has a two-year deadline for filing a claim. Don’t delay!
5. Key Takeaway:
Being prepared and knowing your rights is crucial after an accident with an uninsured driver. Prioritize your health, gather information, understand your insurance, and don’t hesitate to seek legal counsel. Document everything to protect your financial and medical interests.
