“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!

Wilber Aguilar

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I highly recommend La century law, all the staff are amazing, especially Jazmin who is very hardworking and always puts a smile on my face!

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.

Esther Luevano

Working with LA Century Law has been a great experience. Nancy Shaw is exceptional and gets the job done right. She goes above and beyond to make sure we were kept in the loop with frequent updates regarding our case. Her great personality makes it that much more fun working with her. I would definitely recommend LA Century Law and their team. With them, you are in great hands.

Michelle Berlin

Knowledgable and attentive group. Highly recommend! Staff members like Eva leave you feeling at ease and supported. You will be in good hands at this firm for any of your personal injury needs.

Santiago Delacruz

I have had the privilege of observing Jazmin's dedication and strong work ethic at LA Century Law. She consistently brings a high level of professionalism, efficiency, and attention to detail to every task she undertakes. Jazmin’s ability to handle complex responsibilities with a positive attitude and unwavering focus makes her a standout team member. Her commitment to excellence is truly impressive, and she always strives to exceed expectations. Jazmin is an invaluable asset to the team at LA Century Law.

Gloria Villafana

I’m thankful that they really took the time to help me out with my case. 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?