When you are involved in a car accident in California, your insurance company will be responsible for paying up to your policy limits for damages. If the other driver is at fault and does not have insurance, or does not have enough insurance to cover the damages, you may be able to file a claim against their personal assets.
If your own damages exceed your policy limits, you may still be able to recover some compensation through a personal injury lawsuit against the at-fault driver. In California, drivers are required to carry liability insurance with at least $15,000 in coverage for bodily injury per person injured in an accident, and $30,000 total bodily injury coverage per accident. However, these minimums may not be enough to fully compensate you for serious injuries sustained in an accident.
If you have been seriously injured in a car accident caused by another driver’s negligence or recklessness, it is important to speak with an experienced personal injury attorney who can help you understand your legal options and pursue maximum compensation for your losses.