“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!

Elizabeth Kaplan

★★★★★

I would highly recommend La Century Law. They are an exceptionally knowledgeable group who I can fully trust to support me. One of their team members in particular, Eva Zass, is a bright and reliable individual who I am confident will ensure you are in good hands and that your personal injury needs will be sufficiently heard and addressed.

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.

Jocelyn Bautista

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

Dwight Morales

PROFESSIONAL is how I would describe the team! I appreciate all the help Ryan provided, especially Ann making my case a smooth process! I would highly recommend LA Century Law to everyone that is need.

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.

Ruth Aguilar

I had a fantastic experience with La Century Law Firm. The entire team was professional and welcoming. Jazmin, in particular, was incredibly helpful, always available to answer my questions, and ensured I understood everything clearly. Highly recommend!

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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?