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Being involved in a car accident is stressful enough, but discovering that the driver who hit you has no insurance can make a difficult situation feel overwhelming. Unfortunately, California has one of the highest rates of uninsured motorists in the country. If you have been hit by an uninsured driver in Orange County, you still have options for recovering compensation for your injuries. How Common Are Uninsured Drivers in California? Despite California law requiring all drivers to carry minimum liability insurance, studies estimate that approximately 15 to 16 percent of California drivers are uninsured at any given time. In a state with over 27 million registered vehicles, that means millions of drivers on the road have no insurance to cover the damages they cause in an accident. In Orange County, the heavy traffic on freeways like the I-5, I-405, and SR-91 means that the chances of being involved in an accident with an uninsured driver are significant. Knowing your options before an accident happens — and acting quickly after one occurs — can make a substantial difference in your ability to recover financially. Your Uninsured Motorist Coverage The most important protection against uninsured drivers is your own uninsured motorist (UM) coverage. In California, insurance companies are required to offer UM coverage when you purchase your auto policy. If you accepted this coverage, your own insurance company will pay for your injuries and damages up to your policy limits when the at-fault driver has no insurance. Uninsured motorist coverage typically includes […]