UNINSURED MOTORIST COVERAGE
Updated: Sep 30, 2019
If you are involved in a car accident that is the fault of another driver, you may expect that the driver’s car insurance will pay for your damages. Unfortunately, that may not be the case. Although drivers in California are legally required to carry liability insurance coverage, many drivers drive with no insurance at all.
Unless you have specifically declined, in writing, to purchase uninsured motorist (UM) coverage, it is included as part of every policy. The cost of UM policies is much less than the cost of a basic liability policy. Due to the number of uninsured drivers who are on the road, you should purchase UM coverage.
Overview of UM Coverage
There are some important factors to be aware of regarding UM coverage:
· UM policies only provide coverage if the accident was not your fault;
· You must file a police report if you were involved in a hit-and-run accident and
the other driver;
· It covers you if you are a pedestrian and get hit by an uninsured motorist;
· It covers your family members who live in your home;
· It covers your minor children who do not live with you;
· It covers the passengers in your vehicle;
· It covers anyone you permit to drive your car;
· If you are using your vehicle for business, like transporting people or goods for pay,
your personal UM policy may not provide coverage.
A personal injury attorney can help you collect the UM benefits to which you are entitled
After an accident, you may be accumulating medical bills, losing wages because you are unable to work, and experiencing pain and suffering. Insurance companies have a reputation for trying to avoid paying claims. Since UM will not apply if the accident was your fault, your insurer may fight your claim and allege that you are the one who caused the accident. An experienced personal injury attorney will investigate all the facts of your case and work to obtain for you all the compensation to which you are entitled.