“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!

Morelia Guillen

★★★★★

LA Century Law was amazing! This is was my first time getting into an accident so i was lost on what to do but thanks to LA Century and my attorney Zeidi they helped me with what to do and kept me updated on what was happening! Thank you all so much!

Jesse Solo

LA Century Law got me the insurance policy limits for my case with very little work on my part and the highest degree of professionalism. I switched from a different firm, and the old firm was awful. LA Century Law was responsive, friendly, and i highly recommend them.

Natalie Lopez

I want to give a huge shout out to LA Century law firm for their incredible accountability, effort and work ethic in helping their clients. Karla Lopez, case manager, is very knowledgeable and is always willing to help. She is bilingual which extends her ability to help not only English speaking clients but also Spanish speaking clients. I can’t recommend her enough, along with her team! Thank you again!

Jorge Gomez

Thank you very much to the entire team of lawyers at LA Century Law. Very satisfied with all the solutions to my case to my handler Alicia Martínez, very grateful, excellent professional. God bless you.

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.

Nikki R.

Attorney Daneshrad is very professional and courteous. I called him after being involved in a rear ender. I didn’t know anything about anything when it came to the process for making a claim after a car accident. Everyone at his office including Jennifer did everything in their power to make sure I was taken care of.

They made doctors appointments and regularly called to check-in on me. We ended up having to file a lawsuit. Three months after we did, attorney Daneshrad called me with great news! We had a settlement offer. It was for a lot more than I could have imagined. It has been three weeks since the settlement and he still calls me to check in on my injuries. You can tell he really cares about. He isn’t just about the numbers. Thank you attorney Daneshrad! And happy holidays!

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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?