“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!

Cal Wong

★★★★★

Zeidy and Eric have been a tremendous help with my auto accident case. They got me the best medical care/treatment I could get for my back injury and got fought for the settlement they believed I deserved. The case finally closed after a year of medical treatments and negotiations. I had many questions through emails and messages that were answered fairly quickly. I would say don’t hesitate to message a couple days later if they don’t respond back to a message since they are very busy with many cases at once. I’m very satisfied with the service and care they put into my case. I would definitely recommend them as a law firm just as my friend recommended them to me.

Elaine Baltierra

My Personal experience with LA Century LAW has been a remarkable journey for me. I HIGHLY Recommend ERIC BOIM and NANCY SHAW this for all there SUPPORT they FIGHT and WIN . JulieRyan and the entire team at LA Century Law turned what could have been an otherwise awful into a positive one by getting the other drivers insurance company admit liability, navigating the legal system, and securing a settlement for me. Thank you everybody at LA Century Law for keeping me up to date, your patience, and your team.

Angie Perez

Amazing and efficient team!

Tavo Arias

I want to thank Carla Orellana,My case worker,she is been incharged in My accident case she is been very helpful to me, with doctors ,información about My case, she is always been there For me,every time i need to talk to her about My case she is there to take My call and the whole team, (L.A. Century lawfirm firme...) thank You all For your help thanks You Carla Orellana... For been helpful to me your cliente Gustavo arias (me) apreciated You all For working and fighting My case keep up the good work thank You Carla Orellana and LA CENTURY LAW FIRM.

Michelle Berlin

Knowledgable and attentive group. Highly recommend! Staff members like Eva leave you feeling at ease and supported. You will be in good hands at this firm for any of your personal injury needs.

Natalie Lopez

I want to give a huge shout out to LA Century law firm for their incredible accountability, effort and work ethic in helping their clients. Karla Lopez, case manager, is very knowledgeable and is always willing to help. She is bilingual which extends her ability to help not only English speaking clients but also Spanish speaking clients. I can’t recommend her enough, along with her team! Thank you again!

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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?