The Importance of Having an Automobile Uninsured and Underinsured Policy in California.

Every state in the US requires drivers to have automobile insurance. In California, drivers who are involved in an accident or caught driving without insurance may lose their driving license.  Despite this, a lot of drivers in California still choose to forgo insurance or choose the minimum coverage required by law. Therefore the  importance of having an uninsured and underinsured policy for automobile drivers in California cannot be overemphasized.

An uninsured policy is an optional policy in California that covers bodily injury and property damage that you or your passengers suffer in a car accident caused by an uninsured motorist. An underinsured policy, on the other hand, covers you and your passengers when you are in an accident caused by someone who has insurance, but their policy limits are not enough to cover the damages. With millions of drivers in California, it is essential to have an uninsured and underinsured (UM/UIM) policy to protect you from accidents caused by uninsured or underinsured drivers.

UM/UIM

1. It Helps You Cover Your Medical Expenses when the party at fault had no insurance or minimal insurance.
Medical expenses can be overwhelming after a car accident. If the at-fault driver does not have insurance, you may end up paying for your medical expenses out of pocket. With an uninsured policy, your medical expenses will be covered by the insurance company, even if the driver who caused the accident does not have insurance.

2. It Covers Your Car Repair Costs.
Car damages can be expensive to repair, and if the at-fault driver does not have insurance, it can be challenging to cover the repair costs. With an uninsured policy, your car repair costs will be covered by the insurance company.

3. It Provides Financial Protection
In the event of a car accident caused by an uninsured driver, an uninsured policy provides financial protection for you and your family. You will be protected from any financial burden or bankruptcy that may arise as a result of the accident.

4. It Helps You Get Compensation
If you sustain injuries in a car accident caused by an uninsured driver, it can be challenging to get compensation. The driver may not have the financial resources to pay for the damages, and you may end up losing your compensation. With an uninsured policy, you can receive compensation for your medical expenses, lost wages, and pain and suffering.

In conclusion, having an uninsured and underinsured policy in California is crucial for every automobile driver. It provides financial protection and ensures that you are adequately compensated for damages incurred in an accident caused by an uninsured or underinsured driver. It is essential to research and compare policies from various insurance companies to find the right policy that fits your needs and budget. In summary, having an uninsured and underinsured policy is like having an extra layer of protection that ensures you are adequately covered in the event of a car accident.

Eduard Braun, ESQ
Law Office Of Eduard Braun, P.C.
877-533-4529