In a tough economy, uninsured and underinsured drivers are more common than ever. While the risk of driving uninsured is well-publicized, the real risk lies with those who are injured by drivers who carry minimum coverage or no insurance at all. If an uninsured or underinsured driver has injured you, it is important to realize that there is an added degree of complexity to your case. Simply suing the driver may not be enough, as uninsured drivers typically do not have the assets necessary to make good on any judgment entered against them.

While this presents significant challenges for sure, it does not mean that you have no case. There are several options you can explore when pursuing an accident claim involving a driver without auto insurance:

• If you carry uninsured/underinsured motorist coverage (UM/UIM), your own insurance company may be obliged to pay the compensation the at-fault driver cannot.

• If the facts support it, you may look to other parties who share in the fault for compensation. These can include other drivers, vehicle manufactures, mechanics who serviced the involved vehicles or the government entities responsible for maintaining the road.

• Even if the at-fault driver did not have vehicle insurance, there may be other types of policies, such as homeowners or umbrella insurance that could provide coverage.

It may seem grossly unfair that another driver’s decision not to carry adequate insurance can so seriously affect your right to recover for your injuries. However, an experienced California personal injury attorney can help you examine all your options to bring the best possible result out of this unfortunate situation.

If you have been injured by an uninsured or underinsured motorist, it is important to know your options.  Contact the Personal Injury Department at Young Wooldridge, LLP for a free initial consultation.

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