Uninsured & Underinsured Motorist Coverage is a MUST in California

Uninsured and underinsured motorist coverage is an important type of car insurance that is often overlooked by many drivers in California. This coverage can provide protection in the event of an accident with a driver who does not have enough insurance to cover the damages they cause. In this blog post, we will discuss the benefits of getting uninsured and underinsured motorist coverage in California and why it is essential for all drivers to have this coverage.

The first benefit of uninsured and underinsured motorist coverage is that it provides coverage for medical expenses and lost wages if you are injured in an accident with an underinsured driver. In California, all drivers are required to carry liability insurance, but many drivers do not have enough coverage to cover the costs of an accident. If you are in an accident with an underinsured driver, your own insurance policy can step in and cover the costs of your medical expenses and lost wages. This can help to ensure that you are not left with financial burden from an accident that was not your fault.

Another benefit of uninsured and underinsured motorist coverage is that it provides protection for your passengers if they are injured in an accident with an underinsured driver. If you are in an accident with an underinsured driver and your passengers are injured, your insurance policy can provide coverage for their medical expenses and lost wages as well. This can help to ensure that your passengers are not left with financial burden from an accident that was not their fault.

Uninsured and underinsured motorist coverage can also provide additional liability coverage if you are sued by the other party. In California, if you are in an accident with an underinsured driver, they may sue you to cover the costs of the accident. However, with uninsured and underinsured motorist coverage, your insurance policy can provide additional liability coverage to protect you in case of a lawsuit.

In conclusion, uninsured and underinsured motorist coverage is an important type of car insurance that all drivers in California should have. This coverage can provide protection in the event of an accident with a driver who does not have enough insurance to cover the damages they cause. It can also provide coverage for medical expenses and lost wages, protection for your passengers, and additional liability coverage in case of a lawsuit. While California does not require uninsured and underinsured motorist coverage, it is highly recommended for all drivers to have this coverage to protect themselves and their loved ones in case of an accident with an underinsured driver.