In December of 2013, a 43 year old Sutter Creek woman was driving home on State Route 12 in Calaveras County. She was obeying all laws and properly wearing her seatbelt when suddenly a car crossed over into her lane striking her head on. She sustained serious personal injuries and had to be airlifted from the scene. Liability was not contested and at this point it appeared like a straight forward claim that she and her husband presented to their insurance carrier. This is when the case turned into a near calamity. Their insurance company informed the woman’s husband that the premium had not been paid and consequently their insurance policy was not in effect at the time of the collision. This was a fact that could not be contested. Faced with the fact that they were uninsured pursuant to California Vehicle Code section 333.4, the woman wisely decided to contact a lawyer. The attorney at the Dunnion Law Firm advised her that under California Law adopted as proposition 213, and later codified as section 333.4, if you are uninsured and driving your vehicle you cannot recover general damages for your pain and suffering notwithstanding the fact that you were not at fault in any way. The attorneys at the Dunnion Law Firm procured treatment for the woman using her Medi Cal benefits. The State of California asserted a lien in the amount of $54,199.87, and the at-fault defendant’s insurance carrier agreed to pay that sum in settlement of the case. The Dunnion Law Firm attorney skillfully negotiated with Medi Cal to reduce the amount owed culminating in a positive result of $14,000 for this most unfortunate woman. While not made whole as a result of the settlement she was happy to wind up with a positive result. She also learned the hard lesson that it is simply not wise to operate an uninsured motor vehicle in the state of California.