California’s financial liability laws require motorists to be able to cover another person’s injuries in a vehicle crash. Vehicle owners need to meet the minimum coverage for bodily injury liability and property damage liability. Still, some people might drive uninsured.
Many insurance companies offer drivers uninsured motorist coverage. If the liable party does not have coverage, you may end up filing a claim with your insurance company. You can still file a lawsuit against the uninsured party if you do not have uninsured motorist coverage.
However, the driver might not have much in terms of money. If you receive any payments, the compensation may not be substantial. A car accident lawyer can advise you if a lawsuit is the best course of action.