Uninsured Motorist Coverage in California - Is It Required?

Uninsured Motorist Coverage in California - Is It Required?
https://rtmlawfirm.com/uninsured-motorist-coverage-california-is-it-required/

Uninsured motorist coverage is not a legal requirement in the State of California, but it is an option that is highly recommended. While the state mandates car insurance for all registered vehicles, not all drivers comply with this legal obligation.

According to the Insurance Information Institute, California boasts one of the highest percentages of uninsured motorists in the United States, with approximately 15.2% of drivers lacking proper insurance coverage as of 2019.

Although uninsured motorist coverage is not obligatory, California law requires insurance providers to offer it to policyholders when they purchase or renew their auto insurance policies. Policyholders have the liberty to either accept or decline this coverage in writing. If you choose to forgo it, you must explicitly reject it, as it is otherwise automatically included in your policy.

What is the difference between uninsured and underinsured motorist coverage?

While uninsured motorist coverage provides protection if the other driver has no insurance, underinsured motorist coverage (UIM) is designed to cover situations where the other driver’s insurance limits are not enough to cover all of your damages.

For example, if you are involved in an accident with a driver who only carries the minimum state-required insurance limits, but your medical expenses exceed those limits, UIM can help cover the remaining costs.

California law dictates a minimum level of liability insurance for registered vehicles. These minimum liability limits include $15,000 for injury or death to one person, $30,000 for injury or death to multiple individuals, and $5,000 for property damage.

How Much Motorist Coverage Do You Need?

It depends on your specific insurance needs. It is generally recommended to have enough UM coverage to match your liability coverage limits. For example, if you have $100,000 in liability coverage, it would be wise to also have $100,000 in UM coverage.

Hurt in an Accident With an Uninsured Driver?

RTM Law is committed to advocating for your rights and fighting for the best possible outcome in your case. Our motorcycle accident lawyers will work tirelessly to investigate your accident, identify liable parties, and build a strong case on your behalf. We believe that every victim of a motorcycle accident deserves justice and fair compensation for their losses.

Call us for a free consultation.

RTM Law Firm. Your Trusted Injury Advocates.

RTM Law, APC | Personal Injury Attorney
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00:00 Introduction
00:24 Options for Coverage
00:48 Difference Between Coverage
01:10 Minimum Liability Limits
01:28 Determining Coverage Needs
01:46 Conclusion

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