“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 Scherer

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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.

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.

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.

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.

Elsa Guijarro

Had a great experience, calls were always answered, the process was always explained to my understanding. Very good attorneys

Martine Champion

I worked with Nancy to settle my injury claim. She was professional and communicative. She made the process easy to understand and was always willing to answer my questions promptly. I would definitely recommend LA Century Law and Nancy.

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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?