Many people drive without insurance in California. Even more people drive with only minimum liability coverage of $15,000 per person and $30,000 per accident. If you are injured by a driver who is uninsured or underinsured, you will need another source of insurance coverage to pay for your injuries and losses. Many times, this will be your own uninsured motorist “UM” or underinsured motorist “UIM” coverage.

Make Sure You Have UM/UIM Coverage

In California, your insurance agent is required to offer you UM/UIM coverage at a level that is at least equal to your liability coverage. It only makes sense to protect yourself and your family at least as well as you protect other people.

If you do not have UM/UIM coverage, then the insurance company is required to have a signed document that you declined coverage. If the insurance company cannot produce this document, you have the potential to be covered.

How UM/UIM Coverage Works

When you have uninsured and underinsured motorist coverage, your insurance company will stand in for the other party and pay for the same damages the other party’s insurance would have paid had they been adequately insured. Much like insurance companies for at fault parties in a collision with injuries, it will also look for ways to limit your claim or even avoid paying for your injuries and losses. Hiring an attorney to ensure your rights are protected is just as important in these situations as in situations when you would pursue a claim against another driver’s insurance company.

REMEMBER: It is against the law for your insurance company to raise your rates if you were not at fault for the accident.

IF YOU HAVE BEEN INJURED IN A CAR ACCIDENT BY AN UNDERINSURED OR UNINSURED DRIVER, CALL SILVA INJURY LAW FOR A FREE LEGAL CONSULTATION TODAY.