“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!

Ty Basco

★★★★★

I have had a positive experience working with this office, and Karla went above and beyond to assist me throughout the process while I awaited my case settlement. I would definitely recommend working with their office, especially Karla. Throughout the process, she offered encouragement and reassurance, helping to alleviate some of the stress associated with waiting for the case to settle. These aspects made a significant difference in my experience and contributed to a smoother settlement process.

Sandy Danto

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.

Daniel Lopez

Jazmin’s work ethic was outstanding. Very professional.

Lorena Leon

The LAC team has excellent, kind, and hardworking people overseeing every case and making sure their clients receive justice! Jazmin was thorough and patient with every question I had.

Lupe Rodriguez

Very satisfied! Great Team to work with! Gave updates on time, contact with them has always been easy, very supportive in my decisions, always a pleasure to speak too as well! I would definitely Recommend!

Oscar Cisneros

La Century Law is staffed by a fantastic team of professionals, and Jazmin stands out for her remarkable dedication and strong work ethic. She consistently goes above and beyond in her efforts, making her an invaluable asset to the firm. Her attention to detail and reliability truly make a difference.

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?