“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!

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 !

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.

Mir Whit

Zeidy and Eric did a good job on my case. However, it did take a little longer than expected (not their fault) but as soon as everything was said and done, the process did go pretty fast. I would definitely recommend them.

Benjamin Aguilar

I am extremely satisfied with LA Century Law. Jazmin in particular was so helpful and answered all of my questions.

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.

Martine Champion

I worked with Nancy to settle my injury claim. She was professional and communicative. She made the process easy to understand and was always willing to answer my questions promptly. I would definitely recommend LA Century Law and Nancy.

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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?