The law in California requires motorists to have insurance but many people drive without insurance. In some parts of California the odds of a motorist not having insurance can be as high as one in four motorists. If you are involved in an accident caused by either an uninsured or a hit and run driver, you could be left holding the bag. You may think you have “full coverage” when in fact you only have the bare minimum required by the State of California which does not provide for Uninsured Motorist coverage.
Uninsured Motorist coverage is important because it allows you to recover from your insurance company damages you would have been able to recover from the other uninsured at fault driver.
Unfortunately, the odds of being hit by an uninsured driver in California are getting higher all the time. If you do not have Uninsured Motorist coverage, you will not be able to recover money for your injuries should you be hit and injured by an uninsured driver. Uninsured Motorist coverage is extremely valuable and very affordable. Most people are shocked by how cheap it is to add this important coverage to your policy. The cost of adding Uninsured Motorist coverage typically will increases your insurance premium by about $2.00 per month. This is less than the cost of a cup of Starbucks coffee.
As an attorney committed to protecting the interests of our clients, we want to make sure you are protected. If you have any questions about Uninsured Motorist coverage, feel free to call us or your insurance agent to discuss adding this important coverage to your policy.