I got rear ended but I didn’t have insurance?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jan 27, 2015

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Insurance Question from Los Angeles, CA

Asked on 01/27/2015

I got rear ended but I didn’t have insurance? What are my options? I filed a claim to their insurance but they haven't fixed my car or doctors bill. I'm in CA

Answer given on March 31, 2015

If you are involved in an auto accident that is not your fault, the fact that you do not have insurance is irrelevant. The fact that you do not have insurance had no effect on the accident occurring.The driver who caused the accident is responsible and his insurance company should pay for the damages to your car, and for any injuries you may have sustained in the accident.If the other driver has reported this to his insurance company, you should call them repeatedly until they respond. If you cannot reach the adjuster who is assigned to the claim, you should ask for a supervisor and discuss the situation with them. In many states, including California, the insurance company has a limited amount of time to respond to and settle a claim. If they take beyond that time for no apparent reason they can be fined by the Dept of Insurance. If necessary call the Dept of Insurance for assistance.

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