California is an at-fault state when you are evaluating liability for a car accident. That means the driver or drivers who cause an accident can be held financially liable for the losses and expenses incurred by the victims. But a significant question arises when one or more of the victims in the accident were uninsured drivers. While this can complicate the resolution of the matter, the team at Maison Law is here to assist you in getting the compensation that is owed to you for your economic damages due to a car accident, even if you were not insured at the time of the crash. Get in touch with our office today to schedule your free consultation and case evaluation to fully understand how not having car insurance at the time of your car accident will impact the outcome.
Getting Financial Help for Losses and Expenses
You will work with your Maison Law car accident lawyer to compile all of the economic damages that you face because of the car accident. These are the losses and expenses with clearly defined dollar values. Even when the victim of a car accident does not have car insurance, the state allows them to seek compensation for these damages that can include:
- The cost of all medical expenses related to the injuries sustained in the car accident
- Your transportation expenses to your medical care if needed
- Your lost income if the car accident injuries prevent you from working until you are fully recovered
- The cost of vehicle repairs or replacement
- The cost to repair or replace any personal property that was damaged or destroyed in the car accident
What is Proposition 213 No Pay, No Play Rule
In California, Civil Code 3333.4 is commonly known as the “No Pay, No Play” rule or Proposition 213, which prevents victims of car accidents who did not have insurance at the time of the incident from securing non-economic damages in the case. The non-economic damages in a car accident case are typically the losses or changes in your life that do not have a clear dollar value and often impact your quality of life more than having a financial impact. Some of these non-economic damages that a victim is not permitted to seek when they were an uninsured driver involved in an accident include:
- Pain and suffering
- Emotional trauma
- Loss of enjoyment in daily activities
- Loss of consortium
- Impact of scarring and disfigurement
- Loss of ability to contribute to the lives of loved ones
Understanding the Potential Cost of Driving Uninsured
While your legal team at Maison Law will work with you to help you get the full economic compensation you deserve after your car accident, keep in mind that there are some penalties that you are likely going to face for not having car insurance that could include:
The California Department of Insurance auto-insurance guide explains coverage and state insurance requirements.
- Fines
- Suspension of your driving privileges that can be for a term of up to four years
- Your vehicle could be impounded
Contact A Car Insurance Lawyer Today
If you were involved in a car accident and did not have insurance, reach out to the car accident lawyers at Maison Law today to request a free consultation and case evaluation. Our team understands that it can be very frustrating to face losses and expenses due to another person’s negligence and an accident they caused, and we are here to help you resolve these issues. Once you have all the facts about the compensation you can seek and the limitations because you were uninsured, the choice to take action is always up to you. But also know that if you choose to hire Maison Law to handle your car accident lawsuit, we never ask for any upfront legal fees that could add to your financial hardships. We work on a contingency basis, so we only get paid after the case is completed and you have the compensation or settlement funds needed to cover your legal expenses.
