“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!

Neal St Onge

★★★★★

Ryan from LA Century Law demonstrated excellent communication skills, efficiently managing my case. While the recovery may not have met my initial hopes, LA Century Law made sincere efforts to maximize the outcome and rectify the challenges left by my previous attorney.

Sandy Danto

Nancy Shaw and Victor were extremely hands-on 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 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.

Mariela Aguilar

I recently had the pleasure of working with Jazmin at LA Century Law I can’t recommend her highly enough! If you are looking to speak to someone with expertise and passion, she is the one to go to! Thank you so much Jazmin for all your help!

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.

Angelica Gonzalez

I appreciate their help. I'm really satisfied with what they did with my case. I strongly recommend them

Gabbie G

Thanks to Karla and the LA century law firm, they have served me very well and I would gladly recommend it to other people. Thank you Karla Orellana and all her co-workers and the law firm.

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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?