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.