“Uninsured” and “Underinsured” Motorists Coverage is a form of automobile coverage that allows you to collect from your own insurance carrier when a driver of another vehicle has no insurance or inadequate insurance to cover you for injuries they may have caused.

WHY IS “UNINSURED” AND “UNDERINSURED” MOTORISTS COVERAGE SO IMPORTANT?

In California, 1 in 7 drivers are driving without car insurance. That means that if they cause an accident and do not have adequate assets, you may not be able to collect compensation for your injuries. This is why “Uninsured” and “Underinsured” Motorists Coverage is so important.

Further, California only requires that drivers maintain a minimal automobile insurance policy in the amount of $15,000.

If another driver crashes into you, and they only have a minimal policy ($15,000), you may not be able to collect above that amount without “Uninsured” and “Underinsured” Motorists Coverage.

By way of example, let’s say that you are involved in an accident and your medical bills are in the amount of $100,000. Now, let’s assume that you have a $100,000 “Uninsured” and/or “Underinsured” Insurance Policy. Using the example above, you would be able to collect $15,000 from the other driver’s insurance AND another $75,000 from your own insurance using Uninsured” and “Underinsured” Motorists Coverage.

This way you can make two claims – one against the other driver’s insurance carrier and one against your own insurance carrier.

BUT DOES MY PREMIUM OR INSURANCE RATE GO UP IF I TRIGGER MY UNINSURED” AND “UNDERINSURED” MOTORISTS COVERAGE?

The answer is generally no. if another driver was at fault for the crash, using your Uninsured” and “Underinsured” Motorists Coverage should not increase your insurance rate or premium.

Contact our experienced car accident attorneys at LA Century Law today!

Jocelyn Bautista

★★★★★

The people who assisted me have been very kind and clear at all times and explained any questions one may have.

Neal St Onge

Ryan from LA Century Law demonstrated excellent communication skills, efficiently managing my case. While the recovery may not have met my initial hopes, LA Century Law made sincere efforts to maximize the outcome and rectify the challenges left by my previous attorney.

Diego Zamora

I am very grateful to the lawyer who handled my case and thank you very much. I recommend him to the lawyer Karla. Thank you very much for your attention and help.

Veronica Campos

This law firm is the most trusted law firm anyone can hire , from the start Nancy was by my side till the end of my case and the results in the end were more than fair to everyone this isn’t a law firm who will take advantage of you they want to help you and are more than fair , they itemized everything for everyone in the case I will definitely hire them again and recommend them to my family and friends thank you so much to the whole team at LA Century Law !

Jesse Solo

LA Century Law got me the insurance policy limits for my case with very little work on my part and the highest degree of professionalism. I switched from a different firm, and the old firm was awful. LA Century Law was responsive, friendly, and i highly recommend them.

Lauren S.

I was in an auto accident and wasn’t sure the process of how to handle it and get the care that I needed. As soon as I found Ryan, him and his team were able to walk me through the process, answered all of my questions and were super attentive throughout. They really care for the well-being of their clients. I would highly recommend LA Century Law!

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What is “Uninsured” and “Underinsured” Motorists Coverage and Why it’s Important

WHY IS “UNINSURED” AND “UNDERINSURED” MOTORISTS COVERAGE SO IMPORTANT?

BUT DOES MY PREMIUM OR INSURANCE RATE GO UP IF I TRIGGER MY UNINSURED” AND “UNDERINSURED” MOTORISTS COVERAGE?