California is one of the most populous states in the country, as well as one of the largest in terms of landmass. There are literally millions of vehicles on California’s roads, in a broad range of conditions.
In theory, any one of those drivers could cause a crash with you and leave you with injuries or in need of a new vehicle. Unfortunately, because California has a liability-based motor vehicle insurance program, any insurance payments you receive typically depend on the coverage of the person who caused the crash. If they don’t have coverage, you may be left to pay your own costs.
What is the risk of that driver not having insurance?
California is one of the worst states for uninsured drivers
California ranks 10th in the nation in terms of uninsured drivers, with an estimated 16.6% of drivers not having insurance on their vehicles. Unfortunately, that high rate of uninsured drivers means that there are crashes every day caused by people without insurance. The other people involved in these crashes typically only have two options.
They can file a claim against their own policy if they carry uninsured driver coverage. By making a claim on their own policy, these drivers will have to pay higher insurance rates in the future.
If they don’t have uninsured driver coverage, the drivers hurt in such crashes can file a civil lawsuit against the uninsured driver. Civil action against an uninsured driver gives people a chance to seek reimbursement for their medical costs and the expenses involved in repairing or replacing their vehicle.