May 24, 2023
Car accidents happen every day, and more than 269,000 Californians were injured in 2019 motor vehicle collisions, according to the Statewide Integrated Traffic Records System (SWITRS). While California requires all drivers to maintain minimum auto insurance policy limits, state law does not mandate that you purchase what’s known as uninsured/underinsured motorist coverage (UM coverage).
However, with California ranking among the Top 10 States With the Most Uninsured Motorists, purchasing this type of coverage is highly recommended by virtually every personal injury and car accident lawyer. According to the Insurance Information Institute (III), approximately 16.6% of California motorists were uninsured as of 2019.
Let’s take a look at what uninsured/underinsured motorist coverage entails in the sections below. We’ll also review the benefits of uninsured motorist coverage and provide information on how to file your Los Angeles car accident claim today.
According to the California DMV, the minimum liability insurance requirements for private passenger vehicles entails:
While these minimums may be adequate for minor car accident injuries, they often do not fully cover more severe/catastrophic injuries or even fatalities. Furthermore, if you’re seriously injured by an at-fault driver who has either no insurance or only basic coverage, you could end up paying out-of-pocket for expenses like medical bills and more. Accordingly, California drivers are strongly encouraged to purchase uninsured/underinsured motorist coverage which will help protect them fully – even in an accident involving a hit-and-run (or when the at-fault driver’s policy is insufficient).
Uninsured Motorist Coverage (UM) is a type of auto insurance policy that protects individuals involved in accidents caused by drivers who do not have insurance. Additionally, UM protects you as a driver if the other individual(s) involved your car accident possess inadequate coverage. A UM policy is intended to compensate you financially for various losses:
If you have uninsured motorist coverage, your insurer will actually act as the insurance company of the driver who is placed at fault. As a result, you can make a claim to your insurance company even if you are injured by an uninsured motorist. As stated previously, this coverage is also available in the case of hit-and run accidents, where the other driver’s identity is unknown.
Uninsured Motorist coverage is usually divided into two major components:
In contrast, UMPD covers any physical damage caused to your car or property by an uninsured motorist.
Uninsured motorist coverage (UM) is recommended for a number of reasons – one of which happens to be its affordability. Auto insurance providers typically offer UM coverage for a few additional dollars per month on whatever type of policy you select.
But in addition to the fact that UM makes smart financial sense (especially when compared to what you would have to pay out-of-pocket for a serious car accident with an underinsured or uninsured driver), there are a number of additional benefits to having this type of coverage:
Insurance companies are in business to make money. This can lead to these massive corporations denying or undervaluing legitimate car accident claims from injured victims. If you are involved in a car accident with injury – whether it’s just minor scrapes and bruises or something more severe like a traumatic head injury or spinal cord damage – having an experienced attorney on your side can ensure that you receive the maximum financial compensation you deserve.
In fact, a study conducted by the Insurance Research Council (IRC) confirms these important statistics:
Ready to file a claim and pursue justice through a financial damages award? Our expert attorneys are available online or by phone now.
Dordulian Law Group (DLG) is a California-based car accident and personal injury firm with a dedicated team of proven attorneys available and at your service 24/7. We have more than 25 years of experience helping injured victims like you secure over $100,000,000.00 in settlements and verdicts. Contact us today at 866-GO-SEE-SAM to take the first step toward obtaining the maximum damages award you deserve for your car accident injury.
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