California has some of the most lenient penalties for driving without insurance.

What happens if the person at fault in an accident has no insurance in california. Like Medical Payments coverage UM coverage will pay your medical bills reduced by what was already paid under the Medical Payments insurance. If you were the at-fault driver in the accident and you dont have insurance youll have to pay out of pocket for any damage or injuries you caused even though you dont have coverage the other driver has the right to recover damages from you meaning they can sue. But when the other driver has no insurance filing a lawsuit can be something of a dead end more on this later.

It comes into play when you are involved in a car wreck with an uninsured driver. Your ability to sue in no-fault states is restrictedyou typically cant sue the other driver unless you suffered serious injuries andor incurred medical bills over a certain amount. Why Was No-Fault Introduced.

If you are at fault. They will then pursue the insurance company for the at fault driver as well as your deductible. Without insurance you may have to pay out of your own pocket.

Since you arent at fault the other drivers state mandated liability insurance coverage would generally pay for damage to your car and property and for your medical bills for injuries up to the limit of the policy. No-fault insurance also known as the Ontario Motorist Protection Plan is a system outlining how claims are handled by insurers and simplifies the claims process for drivers involved in a collision. Maybe its unfair but not-at-fault accidents can cause your rates to riseEverything depends on the policy of the insurance company for not-at-fault accidents and the law in your stateSome states forbid this act and prevent the insurance companies to raise your rates if you were part.

I suggest you discuss that with your agent. In no fault states if you are a victim of an accident you are supposed to collect from your own insurance policy no matter who is at fault for the accident. There are certain criteria that must be met.

However there are instances when you can recover from the faulty drivers insurance policy. What to Do If You Disagree with a Fault Determination. Your insurance company will handle this under the collision and apply the collision deductible.