My car was recently hit, but I unfortunately don’t have insurance. What options do I have in California? I just became aware of my lack of coverage for several 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; it can be really stressful. In California, if someone hits your car and you don’t have insurance, here are a few options you can consider:
File a Claim with the Other Driver’s Insurance: If the other driver was at fault, you can file a claim with their insurance. You’ll need to gather any evidence from the accident, such as photos, witness statements, and a police report if available.
Negotiate Directly with the Other Driver: You can talk directly to the other driver about covering the damages. This could involve them paying for repairs out of pocket, but be cautious and consider documenting everything in writing.
Consider Your Legal Options: If the other driver is uncooperative, you may want to consult a personal injury attorney, especially if there are significant damages or injuries involved.
Pay Out of Pocket: If the cost of repairs is manageable, you might consider paying for the damages out of pocket. This might be the quickest option if you can afford it.
Get Insurance Immediately: If you plan to drive again in the future, it might be wise to get insurance as soon as possible. Driving uninsured can lead to hefty fines and legal issues in California.
DMV Penalties: Be aware that driving without insurance in California can result in penalties, so addressing this situation sooner rather than later is important.
Make sure you document everything and consult professionals as needed to protect your interests. Good luck!