If you’re involved in a vehicle crash that is not your fault, you may not be able to recoup damages if you do not have vehicle insurance. (Courtesy photo)

If you’re involved in a vehicle crash that is not your fault, you may not be able to recoup damages if you do not have vehicle insurance. (Courtesy photo)

Fault won’t override uninsured vehicle crashes

This week’s question comes from Zach L. from the Castro:

Q: “I was recently hit by a car that ran a red light on Mission Street at the intersection of 19th Street. I just bought the car I was driving two days earlier and I had yet to purchase insurance. I broke my arm. The police found the other guy was a fault and although I didn’t do anything wrong, I’ve been told that I can’t recover for my pain and suffering because I didn’t have insurance on the car at the time that I was hit. Is this true? This doesn’t seem fair.”

A: Zach, I’m sorry to hear about your collision. Although you did nothing wrong to cause your injuries, I am sad to say this may indeed be true. In 1996, Proposition 213 was approved by voters. This was an initiative funded by the motor vehicle insurance companies with the specific intent being to cheat innocent people like you out of their lawful right to recover pain and suffering based upon their status rather than their conduct.

Prop 213 states that in any action to recover damages arising out of the operation or use of a motor vehicle, no person shall recover noneconomic losses to compensate for pain, suffering, inconvenience, physical impairment, disfigurement and other nonpecuniary damages if the injured person was the owner of a vehicle involved in the accident and the vehicle was not insured.

At this time, you might be saying, “But wait, I’m not a fault. So what does it matter if I have insurance or not? How could a law like this ever get passed?”

Well, Zach, your instincts are absolutely correct. It should not matter, under these circumstances in which you are not at fault, whether you had insurance. This law was passed through the initiative process.

The insurance companies spent millions of dollars to essentially perpetrate a fraud on the citizens of California. They sandwiched their real intent — saving money by not having to pay pain-and-suffering damages for legitimate claims —
by framing their initiative so as to deny pain-and-suffering recovery to drunk drivers and fleeing felons. The insurance interests didn’t give a damn about paying pain-and-suffering damages for drunk drivers or fleeing felons — a rare or nonexistent phenomena.

They just wanted to save hundreds of millions of dollars by not having to pay legitimate claims to people, like yourself, who did not have insurance yet were harmed by no fault of their own.

So, as a general rule, if there is not proper insurance on the vehicle at the time of the collision, the at-fault party can escape payment for noneconomic damages for pain-and-suffering. Yet, they remain responsible for payment of any past and future economic damages, such as property loss, medical bills and lost wages.

The courts have ruled that “although driving is included within the concepts of operation and use of a vehicle, operation is a broader concept than driving and does not require that the vehicle being motion or even have the engine running.”

To show how unfair this law truly is, it has been applied to people who were stopped, parked, putting chains on their car, loading and unloading of a truck and/or people who were entering or exiting a lawfully parked vehicle. In many of these instances, the car was not even running.

As with any law, the appellate courts have been called upon to review various scenarios and have established several exceptions to this draconian general rule.

For example, Civil Code Section 3333.4 does not apply when the operator is driving their employer’s uninsured vehicle or if the incident occurred on private property.

Likewise, in situations in which the owner of the vehicle did not have insurance on the car but the operator had insurance on their personal vehicle that would provide them with coverage while driving a borrowed vehicle, they would be considered insured so as to receive the full measure of their damages.

Zach, if you own another car or if this car was replacing another vehicle you owned/traded in that was insured, check with your insurance broker as many policies of insurance provide a 10- to 30-day window in which a new vehicle is automatically covered under the old policy.

Given the complexity of this particular law, I suggest you contact a qualified trial lawyer to review the situation to see if one of the many exceptions applies to you. To everyone else, make sure that you have insurance on your vehicle not only will it protect you should you harm someone else, it will allow you to be fully compensated when you are harmed by another.

Christopher B. Dolan is owner of the Dolan Law Firm. Email questions to help@dolanlawfirm.com.
Chris DolanInjuriesinsurancelawlegalSan Franciscotrafficvehicle collisions

If you find our journalism valuable and relevant, please consider joining our Examiner membership program.
Find out more at www.sfexaminer.com/join/

Just Posted

Giants second baseman Donovan Solano scores on a double in the seventh inning against the Dodgers at Oracle Park on July 29. (Chris Victorio/Special to The Examiner)
Will the Giants make the playoffs? Kris Bryant may be the answer

By Chris Haft Special to The Examiner You’d be hard-pressed to find… Continue reading

Tiffany Carter, owner of Boug Cali West Coast Creole Shack in San Francisco’s La Cocina Marketplace, was dismayed by gentrification she found when she returned to her hometown to start a business. (Kevin N. Hume/The Examiner)
SF Black Wallstreet: Helping residents build wealth, reclaim spaces they’ve had to leave

Tiffany Carter moved back to her hometown of San Francisco five years… Continue reading

A prescribed fire at Sequoia and Kings Canyon National Parks was conducted in June 2016 to reduce hazardous fuel loading, increase watershed health, and restore the natural fire cycle in the Redwood Canyon area ecosystem. (Photo courtesy Rebecca Paterson/National Park Service)
Experts, UC scientists discuss wildfires in the state’s riskiest regions

Wildfires are nothing new in California’s history, but the magnitude and frequencies… Continue reading

Fourth-grade students at Lucerne Valley Elementary School don masks and Western wear for a “Walk Through California” history day during in-person instruction. (Courtesy of Krystal Nelson)
Confusion over mask mandate for California schools sparks tension between districts and parents

By Diana Lambert EdSource Shifting rules around mask mandates at schools are… Continue reading

In his extensive filming of The City during the pandemic, Eric Goodfield said he has been “observing how the environment affects the behavior of people.” (Kevin N. Hume/The Examiner)
Filmmaker Eric Goodfield fixes lens on SF’s COVID days

140 days of shooting in The City made for ‘greatest adventure’

Most Read