Being hit by an uninsured driver complicates recovery. Understanding your options in advance helps you respond calmly and protects your finances. California has a meaningful share of uninsured drivers, which makes the right coverage important.
Uninsured motorist coverage
UM coverage pays for your injuries when the at-fault driver has no insurance. It is one of the most effective protections against uninsured drivers and is required to be offered by California insurers.
Collision coverage
Collision coverage pays for your vehicle damage regardless of fault, minus your deductible. After an uninsured-driver collision, this may be your primary path to repairing your vehicle. See coverage types for how it fits with the rest of your policy.
What to do at the scene
Still call the police, document the scene, and exchange whatever information you can. A police report supports both your insurance claim and any investigation. See what to do after an accident for the full steps.
