Posted on Wednesday, July 29th, 2026 at 7:59 am
A car accident can become even more stressful when the driver who caused it has no insurance. However, being hit by an uninsured driver does not necessarily mean you have no way to recover compensation.
Tiemann Law Firm helps injured people in Sacramento, Roseville, and throughout Northern California understand the insurance coverage and legal options that may be available after a crash.
What Is Uninsured Motorist Coverage?
Uninsured motorist, or UM, coverage may help pay for injuries when the at-fault driver has no liability insurance. It can also apply in certain hit-and-run accidents. Underinsured motorist, or UIM, coverage may apply when the other driver has insurance, but their policy limits are not enough to cover your losses.
UM and UIM coverage may help compensate you for expenses and losses such as:
- Medical bills
- Lost income
- Future treatment needs
- Pain and suffering
- Other accident-related damages
The amount available will depend on your policy limits and the circumstances of the accident. Although the claim is made through your own insurer, the company may still investigate the crash, challenge the value of your losses, or dispute whether certain treatment was necessary.
What Other Coverage May Be Available?
Depending on your policy, other types of coverage may also help. Collision coverage may pay for damage to your vehicle, regardless of who caused the accident. Medical payments coverage may assist with certain medical expenses for you and your passengers.
In some cases, an injured person may also consider taking legal action directly against the uninsured driver. A personal injury attorney can review all possible sources of compensation before determining how to proceed.
What Should You Do After the Accident?
Report the crash to law enforcement and your insurance company as soon as reasonably possible. Collect the other driver’s information, take photos, obtain witness contact information, and seek medical care promptly. Keep copies of medical records, bills, repair estimates, lost-wage documentation, and all communications with insurers.
Deadlines and policy requirements can affect an uninsured motorist claim, so waiting too long may limit your options.
Contact a Sacramento Car Accident Lawyer
If an uninsured or underinsured driver injured you, the team at Tiemann Law Firm is here to guide you through every step of the personal injury process. The sooner you understand your rights, the better prepared you’ll be to protect both your recovery and your claim. Contact our car accident attorneys to set up a free, same-day consultation at (916) 999-9000.
