By law, all California drivers are obliged to carry car insurance to pay for injuries and damages to others. California is not a no-fault state for car insurance, so drivers and their insurance carriers are on the hook when another person is injured.
But what happens when you are injured, and the other driver doesn't have insurance? You could sue them as individuals, but people who don't have insurance usually don't have much money, either. So what do you do?
Similarly, you can be up the creek if the driver that injures you has insurance, but not enough to pay for your significant injuries. California requires this minimum level of coverage:
It's easy to imagine an injury for which the treatment exceeds these minimum amounts.
There is a ready solution, and it is included in your own insurance policy. Most people carry uninsured motorist (UM) accident coverage. This allows you to, essentially, sue your own insurer to pay your medical expenses, lost current and future income, plus pain, suffering, and the loss of life's pleasures.
This insurance also covers instances where a driver "hits and runs" — strikes you and drives away, sometimes out of terror and sometimes out of ignorance that the accident happened.
Lawyer Eliot Reiner has filed claims for many individuals who have been injured by uninsured, underinsured and hit-and-run motorists. He will be happy to speak with you about your accident, and come up with a solution that puts you back on your feet.