Someone struck my car, and I found out I don’t have insurance. What should I do? (CA)
I just realized that I’m not covered for a few reasons.
Someone hit my car but I don’t have insurance. What are my options? (CA)
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I’m sorry to hear about your situation. Here are some options you might consider in California:
File a Report: Contact the police and file a report about the accident. This is important for documentation, especially if there are injuries or significant damage.
Exchange Information: If you haven’t done so already, gather insurance and contact information from the other driver involved in the accident. Even if you don’t have insurance, you can still file a claim against the other driver’s insurance.
Negotiate with the Other Driver: You could discuss the situation directly with the other driver. If they are at fault, you may be able to negotiate a cash payment for repairs without involving insurance.
Consider Getting Insured: Although you don’t have insurance now, it might be worth looking into getting a policy, even if it’s temporary, to cover any potential liabilities that might arise from the accident.
Consult with a Lawyer: Discussing your case with a legal professional might help you understand your rights and responsibilities, especially when it comes to liability and potential claims.
Pay for Repairs Out of Pocket: Depending on the extent of the damage, you might consider paying for repairs directly if the other driver is not cooperative.
Remember, driving without insurance can lead to penalties in California, so addressing your insurance situation moving forward is crucial.