“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!

Veronica Campos

★★★★★

This law firm is the most trusted law firm anyone can hire , from the start Nancy was by my side till the end of my case and the results in the end were more than fair to everyone this isn’t a law firm who will take advantage of you they want to help you and are more than fair , they itemized everything for everyone in the case I will definitely hire them again and recommend them to my family and friends thank you so much to the whole team at LA Century Law !

Rosario Ricario

Karla Lopez has helped me a lot in this process. She constantly keeps me informed of everything I need to know and is always available to answer my questions. I am very happy with LA Century Law.

Fabian Vasquez

I just want to share my experience with LA Century Law; Nancy made this process so much easy and less stressing. I just had to deal with appointments and follow ups. Thank you

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!

Eli D

Ryan and his team were so incredible. They helped me after being involved in an accident and I’m super appreciative.

Nicholas Asbury

They answered my call quickly and were very helpful and kind on the phone. I couldn’t ask for a better law office to deal with. A young man named Daryl Crouse was esp kind when I finally had to stop by the office. I hope many others will enjoy their service as much as I did!

Free Consultation

Free Consultation

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?