09/07/2026
🚗 What happens if the driver who caused your accident has no insurance?
A lot of people assume that if the other driver is uninsured, there is no way to recover compensation. That is not always the case.
If you carry Uninsured Motorist (UM) coverage, your own insurance policy may help cover certain losses when the at-fault driver has no insurance.
And if the other driver has insurance, but not enough to fully cover your damages, Underinsured Motorist (UIM) coverage may also come into play.
Depending on your policy and the circumstances of the accident, this coverage may help with things such as medical expenses, lost income, and other damages.
The important thing is: don’t assume you have no options just because the other driver has little or no insurance. Review your policy and get advice about what coverage may be available to you.
⚖️ If you have been injured in an accident and have questions about your options, Albert Garcia Law Office is here to help.
📞 (559) 636-8558
🌐 www.albertgarcialawoffice.com
Every case and insurance policy is different. This post is for general informational purposes only.