Although California law requires every driver to have insurance, many drivers fail to comply. Whether they cannot afford the monthly rates, forget to renew their policy, or drive without a license, the result is the same. Having an accident with an uninsured motorist means you must file a claim with your insurance policy rather than theirs.
Many drivers worry that filing an uninsured motorist claim can increase their insurance rates. In California, legally, it cannot.
Too Many Uninsured Drivers on the Road