Driver Who Hit Me Doesn’t Have Insurance

Getting into a car accident is stressful enough, but finding out the other driver doesn’t have insurance can make the situation feel overwhelming. Many injured people worry: Who will pay for my medical bills, car repairs, or lost wages if the other driver can’t?

If you were hit by a driver without insurance in California, you still have options. At Anderson Franco Law, we help people in San Francisco and throughout the Bay Area understand their rights and recover compensation—even when the at-fault driver has no coverage.

Why Some Drivers Don’t Have Insurance

Although California law requires every driver to carry liability insurance, not everyone follows the rules. Some drivers let their insurance lapse, can’t afford premiums, or choose to ignore the law. Unfortunately, when they cause an accident, it leaves the victim at risk of unpaid expenses.

In dense cities like San Francisco, Oakland, or Daly City, uninsured drivers are not uncommon. That’s why California requires insurance companies to offer Uninsured/Underinsured Motorist Coverage (UM/UIM).

What Is Uninsured Motorist Coverage?

Uninsured Motorist insurance (UM) is part of your own auto insurance policy. It steps in when you’re injured by a driver who doesn’t have liability insurance.

This coverage can help pay for:

• Medical expenses
• Lost wages
• Pain and suffering
• Funeral expenses in fatal accidents

If the driver who hit you has no insurance, your UM coverage may be your primary source of recovery.

What About Underinsured Motorist Coverage?

Sometimes, the driver who caused the crash has insurance, but not enough to cover all of your damages. California’s minimum liability coverage is only $30,000 per person and $60,000 per accident. That amount can be used up quickly if you suffered serious injuries.

Underinsured Motorist (UIM) coverage fills the gap between what the at-fault driver’s policy pays and your actual damages, up to your policy limits.

Can I Sue an Uninsured Driver?

Technically, yes—you can file a lawsuit against an uninsured driver. But the challenge is that most uninsured drivers don’t have enough money or assets to pay a judgment. Even if you win in court, collecting compensation from them may be difficult or impossible.

That’s why most cases involving uninsured drivers rely on insurance recovery, either through your UM/UIM coverage or other avenues.

Other Possible Sources of Compensation

Even if the driver who hit you doesn’t have insurance, there may be other options:

• Your collision coverage can help repair or replace your vehicle.
• MedPay coverage under your own policy may cover medical expenses regardless of fault.
• Employer policies may apply if you were driving for work.
• Third parties may share liability—for example, if a defective car part or unsafe roadway contributed to the accident.

An experienced attorney can review your situation and identify every possible source of recovery.

Steps to Take After an Accident with an Uninsured Driver

If you’ve been hit by an uninsured driver, here are some important steps:

1. Call the police. Always file a report. This helps document that the other driver had no insurance.
2. Get medical treatment. Even if you feel fine, some injuries appear later.
3. Exchange information. Get the driver’s contact details, license plate number, and any witness information.
4. Notify your insurance company. Report the accident quickly, especially if you plan to use UM coverage.
5. Consult with a lawyer. A personal injury lawyer can protect your rights and deal with the insurance companies on your behalf.

How Anderson Franco Law Helps After an Uninsured Driver Accident

At Anderson Franco Law, we understand how frustrating it is to learn that the person who hit you doesn’t have insurance. We fight for clients across San Francisco and the Bay Area to ensure they aren’t left with medical debt and unpaid bills after an accident.

Here’s how we can help:

• Review your insurance policy for UM/UIM coverage
• File claims with your insurer and negotiate for full compensation
• Explore whether other parties share liability
• Represent you in court if necessary

We also work on a contingency fee basis—that means you pay nothing upfront, and we only get paid if we win money for you.

Anderson Franco Law Can Help

Being hit by an uninsured driver in California doesn’t mean you’re left without help. Between UM/UIM coverage, possible third-party claims, and skilled legal representation, you can still recover the compensation you deserve.

At Anderson Franco Law, our priority is protecting injured people in San Francisco and throughout the Bay Area. If you were hit by a driver without insurance, don’t wait—contact us today for a free consultation.

We’ll review your case, explain your options, and fight for your recovery.