“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!

Morelia Guillen

★★★★★

LA Century Law was amazing! This is was my first time getting into an accident so i was lost on what to do but thanks to LA Century and my attorney Zeidi they helped me with what to do and kept me updated on what was happening! Thank you all so much!

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!

Zelma Molina

I give 5 star ⭐ they were with me from the start to the end! Very satisfied im happy with service!

Preston Landes

I’m really happy with the experience I had with LA Century Law. My case manager and their secretaries had great communication and helped me out a lot! Will be using them again and referring to family and friends.

Jocelyn Bautista

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

Alba Medrano

My case manager karla, attorney Ryan and their whole team were very very helpful with my case, it was a smooth process and very knowledgeable I highly recommend this Law Firm, from the beginning to the end and still then checked on thank you great experience.

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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?