If you are in an accident and discover the driver who caused it is uninsured or underinsured, you have several options.  1. If the driver was working at the time, https://www.youtube.com/watch?v=kosvCrn43AQ  the employer may have a higher policy and be vicariously liable for the employees actions on the job. https://www.justia.com/trials-litigation/docs/caci/3700/3701.html  2. If the driver of the car does not own it, the owner may be liable if the driver was unfit, such as being intoxicated, underage, unlicensed, inexperienced, elderly, ill, or a previously known reckless driver.  http://law.justia.com/cases/california/court-of-appeal/3d/109/415.html.  3. In the event the driver was not working or unfit, then the owner of the car may be liable for only $15,000.00 under the permissive-user statute. http://www.leginfo.ca.gov/cgi-bin/displaycode?section=veh&group=17001-18000&file=17150-17159   4. Last, if 1-3 do not apply, you may make a claim under your own insurance for your damages. http://www.nolo.com/legal-encyclopedia/when-make-underinsured-uninsured-driver-insurance-claim.html
If you or anyone you know is injured in an automobile accident, contact Hafif & Associates for a FREE CONSULTATION to understand your legal rights.  www.hafiflegal.com