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Why Uninsured Motorist Coverage Is Vital for California Drivers

After a serious car accident, the last thing you want to discover is that the at-fault driver doesn’t have liability insurance. Unfortunately, the number of uninsured and underinsured drivers has steadily increased in recent years.

In California, drivers are legally required to have insurance. For passenger vehicles, the minimum liability requirements are $15,000 for injury/death to one person; $30,000 for injury/death to more than one person; and $5,000 for damage to property. However, an estimated 15 percent of California drivers are uninsured, according to the Insurance Research Council.

To avoid having to shoulder the financial burden after a crash, drivers can obtain uninsured motorist (UM) coverage that can pay for damages they suffer when the driver who caused the crash does not have insurance. If the at-fault driver has no insurance, uninsured motorist coverage requires your insurance company to pay for all of your damages, up to the limits of the policy. If the at-fault driver carries the bare minimum liability insurance and your damages exceed the coverage, your underinsured motorist (UIM) coverage can help make up the difference, depending on the amount of coverage you have.

Uninsured motorist coverage can provide much needed compensation after a motor vehicle accident, including payment for:

  • Medical expenses
  • Lost wages
  • Pain and suffering resulting from your injuries

Of course, simply having UM or UIM insurance in place does not mean that your insurance company will pay the full value of your claim. The personal injury lawyers of Law Offices of John E. Hill, a Professional Corporation have the knowledge and experience needed to work with you and help you obtain the full and fair compensation you deserve.

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