What Happens If You Get Hit by an Uninsured Driver?

Being hit by a driver who has no insurance puts you in a frustrating position. Your car is damaged, you may have medical bills piling up and the at-fault driver cannot cover your losses. This situation is more common than many people expect, and understanding your options beforehand through the right auto insurance can save you significant stress and expense.

How Uninsured Motorist Coverage Helps

Uninsured motorist (UM) coverage is an optional add-on in California that may help pay for your injuries and sometimes your property damage when the at-fault driver carries no insurance. Insurers are required to offer it when you purchase a policy, and if you choose to decline it, you must sign a written waiver. Without it, you may be left pursuing the other driver personally, which often yields little when they have limited financial resources.

Adding UM coverage to your policy gives you a direct path to compensation through your own insurer, bypassing the uncertainty of chasing an uninsured driver.

What Your Policy May Cover

Depending on your policy, uninsured motorist coverage in California may help pay for:

• Medical expenses and hospital bills
• Lost wages if injuries keep you from working
• Pain and suffering damages
• Property damage to your vehicle caused by an identified uninsured driver

Coverage limits and available options vary, so reviewing your policy with an agent is a helpful way to understand what coverage you have.

Get Covered Before It Happens

Contact Bright Road Insurance Services to review your auto policy and explore uninsured motorist coverage options. We serve drivers in Montclair, CA and make it easy to get started with an instant quote available directly on our website.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.