No. California is an at-fault (tort) state. The driver who causes an accident, and their insurance company, is responsible for the other people’s injuries and property damage.
Because California doesn’t require Personal Injury Protection (PIP), your own injuries are paid by the at-fault driver’s liability insurance, your health insurance, or optional coverages on your own policy, such as Medical Payments and Uninsured/Underinsured Motorist coverage.
Under Proposition 213, uninsured drivers generally can’t recover pain and suffering damages, even when the other driver was at fault. Carrying continuous coverage protects your right to full compensation.
Questions about your own policy? Elye Insurance in Mission Viejo helps homeowners and drivers across California and Nevada compare options from multiple carriers.
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