An accident involving an uninsured driver can be stressful, but these situations occur more often than many people realize. Commercial One Insurance Service in Burlingame, CA can help you understand what to expect and how your coverage may protect you after this type of collision.

What Happens When the Other Driver Is Uninsured?

Many drivers assume that everyone on the road has the required insurance, but that is not always true. If you are involved in an accident with an uninsured driver, try not to panic. Your auto insurance policy may include uninsured motorist coverage, which can help pay for your damages and injuries.

You may also have the option to pursue financial damages through a personal injury lawsuit against the at-fault driver. However, if the uninsured driver has limited assets, a lawsuit may not be able to recover meaningful compensation.

If the other driver has insurance but does not carry enough coverage, your own policy may include underinsured motorist coverage. This protection can help cover remaining costs once the other driver’s limits are exhausted. If you are unsure whether your policy includes uninsured or underinsured motorist protection, contact your insurer for clarification.

Drive With Confidence

Accidents can happen at any time. If you are struck by an uninsured driver, your insurance company will often act as if it were the uninsured driver’s insurer. This can help you recover compensation for repairs, medical bills, and other losses related to the accident.

Commercial One Insurance Service

If you are thinking about changing auto insurance providers or reviewing your current policy, our team is here to help. Contact our Burlingame, CA office at 650-652-9988 to speak with our auto insurance specialists.