What Happens if You Are Injured on an OCTA Bus?
Passengers injured while riding an Orange County Transportation Authority (OCTA) bus are often surprised to learn that OCTA does not provide uninsured motorist (UM) or underinsured motorist (UIM) coverage. This becomes a serious issue when a negligent third-party driver causes a crash and lacks adequate insurance.
OCTA is a public transit agency that self-insures against liability, but that coverage only applies in limited situations—primarily when OCTA itself is responsible. It does not cover situations where a third-party driver is at fault and lacks insurance.
What This Means for You as an Injured Passenger
If you were injured in a bus crash and the at-fault driver had no insurance—or not enough—you may not be able to recover compensation through OCTA. You cannot file a UM/UIM claim through OCTA because that protection is not available to passengers.
You may feel stuck, but you still have options. Your recovery may depend on your own insurance policy, identifying all liable parties, and navigating strict rules for filing claims against government agencies. That is where legal experience can make a difference.
Your Options After an OCTA Passenger Accident
If you were injured as a passenger in a crash involving an OCTA bus, here is what you can do:
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Review Your Own Auto Policy
If you carry UM/UIM coverage, it may apply—even if you were not in your own vehicle. You could be covered as a named insured or a resident relative. -
File a Claim Against the At-Fault Driver
If the third-party driver had insurance, you can pursue a personal injury claim directly against their policy. -
Investigate Fault by OCTA
If the bus driver caused or contributed to the crash, or if there were safety failures (like poor maintenance), you may be able to file a claim against OCTA. These claims are time-sensitive and must follow strict procedures under California’s Government Claims Act. -
Talk to an Attorney Immediately
Without UM/UIM through OCTA, your path to compensation may be complex. Speaking with a lawyer can help you avoid delays, protect your rights, and identify every possible source of recovery.
Why Hire Fielding Law
When public transportation accidents happen, especially those involving UM/UIM gaps, the legal path is not always clear. At Fielding Law, we understand the frustration and confusion passengers experience after an OCTA accident. Our experienced team is ready to help you sort through your options and build a strategy that fits your case.
We treat every client with empathy and respect while delivering aggressive representation where it matters most.
You do not have to figure this out on your own. Call 833.88.SHARK or contact Fielding Law today.
Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.
