Uninsured and Underinsured Motorist Coverage

When purchasing auto insurance in California, many clients take into consideration protecting their assets and having the right amount of coverage in the event of an accident.  While protecting yourself is the main objective for auto insurance, you should also protect yourself from the negligence of others. What would happen if the other party is at fault in the accident and they don’t have adequate coverage to pay for the damages to your vehicle or for your medical bills?  What about lost wages while you heal?  What would happen if they had NO insurance at all?  How do you protect your greatest asset, yourself?

Auto Insurance policies offer Uninsured and Underinsured motorist coverage.  These limits starts at $15,000 per person / $30,000 per accident and can be as high as your own liability limits.  We strongly advise you choose the highest limits available to you.  Why wouldn’t you insure yourself with as high as limits as you would someone else?  Protect yourself from the possibility that someone may have limited and/or inadequate coverage.  

If you are in an accident and the damage to your property or to you is in excess of the other parties’ limits, your Uninsured Motorist coverage will pay the difference up to your limits.  For example, if you suffered medical bills of $25,000 as a result of an accident caused by another party on the 110 freeway in Los Angeles, who had only $15,000 worth of coverage, your insurance policy would pay the additional $10,000.  It is a great way to protect yourself very inexpensively.


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