When the Other Driver Doesn’t Have Insurance

November 21, 2019

No one wants to experience a car accident. And when the other driver lacks proper insurance coverage, the situation becomes even more frustrating. Uninsured motorist claims in Chico, CA can be difficult to navigate and costly to pursue if not handled appropriately.

If you’ve been in an accident with an uninsured motorist, use the following tips to guide your claim and repairs process.

Step 1: Determine fault
One of the first things you should do after experiencing an auto accident is determine who is at fault for the incident. Always call the police after an accident. Their report is usually key in determining fault. If you were at fault for the accident, your insurance should kick in to cover damages. If the other driver was at fault, things get trickier. If the driver is uninsured, he doesn’t have a carrier to cover the damages he caused. In this case, you may need to make an uninsured motorist claim in Chico, CA.

Step 2: File an uninsured motorist claim in Chico, CA
Uninsured motorist and underinsured motorist coverage provide protection in these situations when the other driver has no insurance or not enough insurance to cover the costs associated with the accident. This insurance covers vehicle repairs, medical bills and property damage.

Typically, uninsured motorist policies limit the coverage to the amount of your liability insurance. Consult with your insurance provider to determine if this is the case with your policies, or if other arrangements are available if you’d like additional coverage.

Step 3: Seek other options
If you don’t have uninsured motorist coverage, you’ll need to find another source to cover the costs of the accident. Often, collision coverage will compensate you for repairs, but it will not cover medical costs.

Step 4: Hire an attorney
In some situations, uninsured motorist claims in Chico, CA are denied. If this happens to you, you may need the assistance of an attorney to go to battle for you with the insurance company. The attorney may also help you recoup the cost from the other driver. Keep in mind that you’ll need evidence to prove your case if you attempt to make the other driver pay. Be sure to document everything from the moment of any accident, in case you encounter problems down the line.

Call for backup
The Law Office of Max G. Arnold, Inc. brings over 30 years of experience to every case. We know the best strategies to use to help our clients win cases with integrity. If you’ve experienced an auto accident and the other driver doesn’t have insurance, contact our team. We can schedule an in-person case evaluation and help you decide your best course of action.

In some situations, uninsured motorist claims in Chico, CA are denied. If this happens to you, you may need the assistance of an attorney to go to battle for you with the insurance company. The attorney may also help you recoup the cost from the other driver. Keep in mind that you’ll need evidence to prove your case if you attempt to make the other driver pay. Be sure to document everything from the moment of any accident, in case you encounter problems down the line.

Call for backup
The Law Office of Max G. Arnold, Inc. brings over 30 years of experience to every case. We know the best strategies to use to help our clients win cases with integrity. If you’ve experienced an auto accident and the other driver doesn’t have insurance, contact our team. We can schedule an in-person case evaluation and help you decide your best course of action.

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