Prop. 213: The Risks of Uninsured Driving

As a California motorist, one must be aware of the risks associated while driving on the road. This rings especially true to those that drive uninsured. While auto insurance can be costly, California Proposition 213 makes it clear that skimping out on insurance can be an even more expensive decision.


The Fine Print: How Am I Affected?

Proposition 213 was created in 1996 and is officially titled The Personal Responsibility Act. Meant to protect citizens who pay in for auto insurance, the Prop makes it so impaired drivers, felons, and uninsured motorists cannot legally collect non-economic damages in the event of an accident. After the implementation of Prop. 213, a number of insurance companies lowered their rates in order to reduce their compensation costs for personal injuries.


Some Exceptions to the Rule of Prop. 213

If you are an uninsured driver, there are some instances where you can collect both economic and non-economic damages if the accident meets specific delineating factors. Driving a company-owned car, driving an uninsured vehicle but carrying insurance for a different one, or if the other driver was operating under the influence makes it so Prop. 213 doesn’t come into play. Passengers in a vehicle driven by an uninsured motorist are not affected and can collect both types of damages. Also, if the accident occurred on private property, drivers are still entitled to all compensation.


Final Thoughts: Ensuring Your Protection on the Road

When it comes to complying with Prop. 213, drivers are better off purchasing liability insurance. If you are the unfortunate victim of a car accident and require accurate information on how to claim the damages you are legally entitled to, our office at Beckerman Anderson is happy to help. We will make sure to exhaust all avenues in order to get you the best possible result.