“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!

Daniela Velazquez

★★★★★

Karla from LA Century Law has been very helpful with our case, always keeping me updated and available when we have a question. It literally took the weight off my shoulders the moment she started working with us on our case.

Joshua Shadrokh

I started my case with this firm on march 03, 2023 right after I got into my accident, and was met with a warm welcome and quick and speedy treatment, all the case managers were extremely helpful in getting me the treatment I needed. As well as answering any questions I had, the attorneys were also extremely helpful and kind, especially Ryan and Shantel, they were amazing attorney who were swift and efficient and getting me the settlement I needed. Thank you so much to the LA century Law team. And I would highly recommend this firm to anyone who has been involved in a personal injury and seeks out justice.

Adrian Aguilar

Thank you Jazmin. Very helpful and professional. LA Century Law has impeccable service!

Wilber Aguilar

I highly recommend La century law, all the staff are amazing, especially Jazmin who is very hardworking and always puts a smile on my face!

Bill Aguilar

La century law is great. The staff are super friendly especially Jazmine who was very helpful and hardworking. I would definitely recommend this firm.

Jacqueline Reynoso

Jazmin is really admirable how hard working she is. She is always so positive. It’s contagious! You have such a great work ethic. Always putting in the extra effort to get the job done right.

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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?