“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!

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Jessica Lepe

Thank you LA Century Law for your assistance with my car accident case. I appreciate the guidance throughout the last couple of months. It was a smooth transition throughout all of your departments and personnel. Everyone was professional and helpful. Your customer service was outstanding! I am also grateful for the thoughtful Starbucks card you sent for my birthday. That was a kind gesture from your team. I would definitely recommend your firm!

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.

Angie Perez

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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.

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.

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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?