“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!

Santiago Delacruz

★★★★★

I have had the privilege of observing Jazmin's dedication and strong work ethic at LA Century Law. She consistently brings a high level of professionalism, efficiency, and attention to detail to every task she undertakes. Jazmin’s ability to handle complex responsibilities with a positive attitude and unwavering focus makes her a standout team member. Her commitment to excellence is truly impressive, and she always strives to exceed expectations. Jazmin is an invaluable asset to the team at LA Century Law.

Roxana Bonilla

At LA Century Law they were a great help. The employees were very friendly. Connie and Miros assisted me when I went to the office and they were the best. I 100% recommend them.

Gabbie G

Thanks to Karla and the LA century law firm, they have served me very well and I would gladly recommend it to other people. Thank you Karla Orellana and all her co-workers and the law firm.

Lauren Brantley

Ann was great and helped settle my case quickly. The treatment helped alleviate a lot of my back pain from the accident too.

Eli D

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

Miguel Larios

They answered my call quickly and were very helpful and kind on the phone . I couldn’t ask for a better law office to deal with. A woman named Connie was kind when I finally had to stop by the office. I hope many others will enjoy their service as much as I did! Great team!

Free Consultation

Free Consultation

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?