Uninsured and underinsured motorist coverage can provide financial protection when you are involved in an accident with an at-fault driver who has no insurance or insufficient insurance to cover damages.
Despite legal requirements, many California drivers still operate vehicles without insurance. If you are hit by one of these drivers, uninsured motorist coverage can help cover the costs associated with the accident, such as medical expenses and property damage.
What Does It Cover? 
Uninsured motorist bodily injury can help cover limited bodily injury costs if the other driver is at fault and lacks liability coverage. Uninsured motorist property damage coverage can also help cover damage to your car in this situation. These policies have separate limits.
In California, uninsured motorist coverage only pays if the at-fault driver is identified. In a hit-and-run accident, you may have to rely on your collision coverage to help repair or replace your vehicle.
Underinsured motorist coverage can help cover limited injury costs for which the other driver is liable if their coverage is not sufficient.
Why Should You Buy This Coverage?
In California, the minimum liability insurance requirements may not always be enough to cover the costs of a serious accident. Underinsured motorist coverage can help bridge the gap and provide the additional financial protection you need if the at-fault driver's insurance limits are lower than the total damages.
This coverage type is critical when medical expenses and property damage exceed the at-fault driver's insurance limits. Without underinsured motorist coverage, you may be left to cover the remaining costs out of pocket, which can be financially devastating.
Contact Us
California insurers must offer uninsured and underinsured motorist coverage. Contact Driscoll & Driscoll Insurance Agency to learn about auto insurance options near you and get a quote.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.