When you’re involved in a car accident in California and the at-fault driver doesn’t have enough insurance—or none at all—Uninsured/Underinsured Motorist (UM/UIM) Coverage becomes critical. Many drivers overlook this protection until it’s too late.
Understanding Uninsured Motorist Coverage
If someone rear-ends your car and they have no valid insurance, you can make a claim under your Uninsured Motorist Coverage (if you have it). Without UM coverage, you may be left with no recourse for your damages.
Understanding Underinsured Motorist Coverage
If the at-fault driver only has minimum liability coverage (for example, $30,000) but your medical bills exceed that amount, Underinsured Motorist Coverage can cover the difference—so long as your limits are higher than the other driver’s policy.
Why This Coverage Matters
California drivers often underestimate the number of uninsured motorists on the road. Adding UM/UIM protection to your policy is an inexpensive way to safeguard yourself and your family.
If you’ve been in an accident involving an uninsured or underinsured driver, contact Richard | Bartlett Lawyers today for guidance. We can help you understand your options and protect your right to compensation.
Call (805) 438-2440 or contact us online.
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