What If the Other Driver Does Not Have Insurance?
Getting into a car accident is stressful enough. But finding out the other driver does not have insurance? That adds another layer of frustration and confusion.
If this has happened to you, you are not alone. Many drivers in California and Arizona face this issue every day. Luckily, there are ways to protect yourself and still pursue compensation.
What Is Uninsured Motorist Coverage?
If the at-fault driver does not have insurance, your own uninsured motorist (UM) coverage can help. This is optional insurance in both California and Arizona, but it is highly recommended.
Uninsured motorist coverage can help pay for:
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Other damages related to the crash
Even if the driver took off and you cannot identify them, UM coverage may still apply. That is called a hit-and-run—and it is more common than people realize.
What If You Do Not Have UM Coverage?
If you do not have uninsured motorist coverage, your options become more limited. You might be able to sue the at-fault driver personally, but that only works if they have assets or income to recover from—which is often not the case.
This is why having a compassionate and capable attorney matters. At Fielding Law, we can help explore every possible path forward. That includes checking for:
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The driver’s employer’s liability (if they were working at the time)
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A household policy that might apply
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Any other negligent parties, such as vehicle manufacturers or road contractors
Why Hire Fielding Law
At Fielding Law, we understand how upsetting it can be to learn that the other driver has no insurance. We take the time to understand your case and explain your options clearly. Our team is not a massive firm with gimmicks—we are real people who care about results and relationships.
We handle every case with professionalism, kindness, and strategy—and you will always know where your case stands.
You Are Not Alone
If you were hurt in a crash and the other driver was uninsured, let us help. Call 833.88.SHARK or contact Fielding Law today for a free consultation. You deserve answers—and we will work hard to help you find them.
Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.
