“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!

Sandy Danto

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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.

Genus Branding

Excellent work got me more money than I expected.

Tavo Arias

I want to thank Carla Orellana,My case worker,she is been incharged in My accident case she is been very helpful to me, with doctors ,información about My case, she is always been there For me,every time i need to talk to her about My case she is there to take My call and the whole team, (L.A. Century lawfirm firme...) thank You all For your help thanks You Carla Orellana... For been helpful to me your cliente Gustavo arias (me) apreciated You all For working and fighting My case keep up the good work thank You Carla Orellana and LA CENTURY LAW FIRM.

Gilbert Triana

I am very happy that I went with LA Century Law. I was referred to them by my spouse and they took great care of me as they did her. Thank you Karla, Maria, and the Attorney Ryan and any other staff that help on my case.

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.

Elizabeth Scherer

When I contacted LA Century, requesting information to resolve the accident I had, I received warm attention, full of optimism and ways in which my car and I could be well, Karla, the person who assisted me, opened my case and today I can say thank you for the attention and excellent work.

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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?