Encinitas, CA personal injury attorney Jeffrey Padilla talks about what to do if the driver who caused the accident doesn’t have insurance or is underinsured. He highlights the importance of educating both clients and the general public about the value of their own auto insurance in situations involving accidents. Every driver with an auto policy typically has uninsured or underinsured motorist coverage. This coverage not only applies to the insured vehicle but also extends to the policyholder and their immediate family, regardless of location.

Whether as a pedestrian, on a bicycle, or in a rideshare vehicle such as an Uber, if a motor vehicle causes an injury, this coverage is triggered and provides protection up to the limits of the policy. He encourages individuals to review their auto insurance policies carefully and to ensure they carry the maximum uninsured motorist bodily injury coverage available, offering essential protection in these circumstances.