In California, you must own car insurance in order to drive legally on our roads. However, drivers only have to carry the minimum car insurance coverage for California, which is $15,000 per person/$30,000 per accident/$5,000 for property damage. This is hardly enough to pay for even a minor car accident!
Because the California minimum auto insurance limits are so low, it is extremely important to purchase uninsured motorist or underinsured motorist coverage (UM and UIM insurance) for when the at-fault driver either does not possess any insurance or too little insurance to pay for your injuries. UM/UIM insurance coverage is not mandatory. You must elect to purchase it. Since most people try to save money on their insurance costs, many people opt out of purchasing UM and UIM coverage. This is a huge mistake.
The San Diego auto accident attorneys at the Jurewitz Law Group strongly recommend that everyone have UM and UIM coverage on their vehicles. You do not choose the person that you get into an accident with. If you get into a car accident with a person with little or no insurance coverage, you may be out of luck when it comes to paying for your injuries and car damage. We have experience handling cases against underinsured and uninsured motorists and making sure that your insurance company does right by you. After all, you’ve been paying for your auto policy for it to be there when you need it. Please visit the Jurewitz Law Group website at the link above to find out how we can help you in the event you are involved in a car accident with an uninsured motorist.
In addition, feel free to fax your auto insurance policy to 888-233-3180 and request a free review of your coverage.