{"id":7013,"date":"2023-04-04T13:44:00","date_gmt":"2023-04-04T13:44:00","guid":{"rendered":"https:\/\/www.costulessdirect.com\/blog\/?p=7013"},"modified":"2023-03-31T13:45:34","modified_gmt":"2023-03-31T13:45:34","slug":"what-to-do-if-an-uninsured-driver-hits-you-in-ca","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/what-to-do-if-an-uninsured-driver-hits-you-in-ca\/","title":{"rendered":"What to Do When Your Car Gets Hit by an Uninsured Driver in Los Angeles\u00a0"},"content":{"rendered":"\n
Don\u2019t worry about it too much. Or at least that\u2019s what you can do if your auto insurance policy<\/a> includes financial protection against uninsured motorists. In that case, your insurer will provide a settlement check even if the driver at fault for the collision, doesn\u2019t have car insurance, or doesn\u2019t have enough auto coverage to pay for all your repairs. <\/p>\n\n\n\n The bigger problem is if the accident is caused by a driver without auto insurance in L.A. and you don\u2019t have a policy that includes uninsured motorist protection. Here\u2019s what we recommend you do in such a dicey situation. <\/p>\n\n\n\n Like most U.S. states, California has at-fault car insurance laws. What that means is that the driver at fault for the accident, or the insurance company representing that driver, is responsible for the damages they caused other parties. <\/p>\n\n\n\n Simple, right? Unless the party at fault is an uninsured driver<\/a> or underinsured (meaning they might have some car insurance but not enough to pay for the accident). Or it\u2019s a case of a hit-and-run driver, and there\u2019s no one to even try to collect from. Now what do you do? <\/p>\n\n\n\n Emotions can get out of hand immediately after an accident involving two or more cars. Everyone might try to blame everyone else. If it was road rage that led to the accident, that\u2019s even more cause for concern. <\/p>\n\n\n\n If the driver at fault pulls over to the side of the road and appears to be calm, politely meet up with them and exchange contact information that you\u2019ll then turn over to the proper authorities. <\/p>\n\n\n\n In cities and towns smaller than Los Angeles, the after-accident process might always involve calling the police. An officer might show up in a matter of minutes, question both drivers, and almost immediately be able to assign blame. In that scenario, you and the insurance companies will get a police report that shows the other driver to be at fault. <\/p>\n\n\n\n Things are a bit different in traffic-clogged Los Angeles. Here, you\u2019ll only call the police if all else fails. <\/p>\n\n\n\n Don\u2019t dial 911 unless you or others are injured, you feel threatened by the other driver or they seem impaired, or you think you or others might be at additional risk because one or more disabled vehicles pose a traffic risk. <\/p>\n\n\n\n Otherwise, here\u2019s the process and contact information to be used<\/a> in a variety of scenarios. Most don\u2019t include filing a police report before reaching out to your insurance company in the event of an L.A. accident. <\/p>\n\n\n\n Unfortunately, if the at-fault motorist is an uninsured driver or it\u2019s a hit-and-run situation<\/a>, your insurance company might not be able to offer much help unless you have coverage to handle such circumstances. <\/p>\n\n\n\nKnow the Law Regarding Fault and Uninsured Motorists <\/h2>\n\n\n\n
Stay Calm <\/h3>\n\n\n\n
Call the Police \u2026 Maybe <\/h3>\n\n\n\n