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March 2016 Archives

THE IMPORTANCE OF UNINSURED/UNDERINSURED MOTORIST COVERAGE IN CALIFORNIA

What Exactly is Uninsured Motorist Coverage? Why Do I Need It?

  • In the state of California, every driver operating a motor vehicle is required to have automobile liability insurance. Unfortunately, 1 in 7 drivers in the state do not possess automobile liability insurance and are therefore uninsured.
  • Uninsured motorist coverage is a type of insurance coverage you can purchase with your automatable insurance which will compensate you for your injuries resulting from a motor vehicle accident in which you were not at fault and the at fault driver was uninsured.
  • Without uninsured motorist coverage, there is no guarantee that you will be able to recover for your injuries. If the driver causing your injuries is uninsured and without any significant personal assets, it is practically impossible to recover anything for your injuries.
  • Rather than taking the risk of being injured by an uninsured motorist, with uninsured motorist coverage, you can now rely on your own insurance to compensate for your injuries. Therefore, while you cannot control who causes your injuries, you can protect yourself and your passengers by purchasing uninsured motorist coverage so that you are always covered.

PROP 213: WHAT HAPPENS IF YOU ARE INJURED WHILE DRIVING BUT HAVE NO

WHAT HAPPENS IF YOU ARE INJURED WHILE DRIVING BUT HAVE NO INSURANCE?

In California, Prop 213 was passed in 1996, which limits the damages you can obtain after a collision. Whether you are able to fully recover for your injuries after an accident depends on whether you had liability insurance on your vehicle during the time of the accident. The public policy behind this law is that since liability insurance is mandatory while operating a motor vehicle in California, those who do not have insurance should not get the same privileges as those who do have insurance at the time of an accident.

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