“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!

Victoria Faye Kaplan

★★★★★

Based on my own experience I would recommend LA Century Law to anyone. They have a fantastic team, including Eva, who I can confidently say you will be left in great hands for any needs throughout your case.

Eli D

Ryan and his team were so incredible. They helped me after being involved in an accident and I’m super appreciative.

Sandy Danto

Nancy Shaw and Victor were extremely hands and explained everything step by step so I understood what was going on in my case. Even at times when I would lose my temper, they were absolutely understanding and patient with me. They made sure I was doing well physically and mentally. Communication was great. They got me the best possible outcome in my settlement. Would recommend them to anyone who’s ever been injured by no fault of their own.

Rochelle Monteith

La Century Law was very cooperative. Nancy and Virginia especially i could call them anytime they would answer. They call and check up on me all rhe time if i am feeling better. They scheduled my appointment an d check to see if i went to my appointment. Big up La Century law.

Nessie Flores

You’re in good hands with LA Century! Jason is a case manager who will help make you feel good and well-informed about your case!

Jessica Lepe

Thank you LA Century Law for your assistance with my car accident case. I appreciate the guidance throughout the last couple of months. It was a smooth transition throughout all of your departments and personnel. Everyone was professional and helpful. Your customer service was outstanding! I am also grateful for the thoughtful Starbucks card you sent for my birthday. That was a kind gesture from your team. I would definitely recommend your firm!

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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?