Uninsured motorist coverage is a type of auto insurance that protects you if you’re involved in an accident with a driver who doesn’t have insurance. This coverage helps pay for your medical expenses, lost wages, and other damages from the accident.
In California, uninsured motorist coverage is not mandatory, but insurance companies must offer it. Including this coverage in your policy is wise, as it provides extra protection for you and your passengers.
Getting further compensation in an uninsured accident is hard, but our Los Angeles uninsured motorists car accident lawyer can assess your chances. Contact us for a free consultation if you’ve been in an uninsured motorist accident.
Why Is Uninsured Motorist Coverage Important?
Despite legal requirements, many drivers in California still operate vehicles without insurance. Uninsured motorist coverage is one of the best addons you can put on your auto insurance because:
- It protects you from financial losses caused by uninsured drivers.
- It covers medical expenses and lost wages that might otherwise come out of your pocket.
- It provides peace of mind knowing you have some protection against irresponsible drivers.
This coverage ensures you’re not left bearing the financial burden of an accident. That said, uninsured motorist coverage may not provide enough to cover all of your damages. If so, discuss your options with a Los Angeles car accident lawyer.
How Does Uninsured Motorist Coverage Work?
When you’re involved in an accident with an uninsured driver, your uninsured motorist coverage kicks in to cover your damages. Here’s how it typically works:
- You report the accident to your insurance company.
- You provide evidence that the other driver is uninsured.
- Your insurance company processes your claim under your uninsured motorist coverage.
- You receive compensation for your damages up to your policy limits.
Uninsured motorist coverage also covers hit-and-run accidents when the other driver cannot be found. It is also often bundled with underinsured motorist insurance. This pays you if the other driver doesn’t have an insurance policy large enough to cover your damages.
This combination is known in the insurance industry as UI/UIM coverage. If you’re unsure if your policy includes this coverage, contact your insurance company or check your insurance card. A Los Angeles personal injury lawyer can assist you further.
What Damages Does Uninsured Motorist Coverage Cover?
Uninsured motorist coverage typically includes two types of protection:
- Bodily Injury Coverage: This pays for medical expenses, lost wages, and pain and suffering for you and your passengers.
- Property Damage Coverage: This covers damage to your vehicle and other property resulting from the accident.
Both types of coverage are subject to the limits specified in your policy. These should cover the most common types of damages encountered in car accidents. You may have other policies that can help cover some damages, like health or homeowner’s insurance.
How Much Uninsured Motorist Coverage Do I Need?
The minimum amount of coverage is the same as California’s minimums, but you can purchase more beyond that. The amount of coverage you need depends on various factors, including:
- Your financial situation
- The value of your vehicle
- Your health insurance coverage
- Your risk tolerance
The more coverage you have, the more you’ll be able to recover if you’re injured in an uninsured motorist accident. However, you will have to pay higher premiums for this coverage. Talk with your insurance agent to learn how much more you’ll need to pay.
Can Uninsured Motorist Coverage Protect Me Outside of My Car?
Many assume that uninsured motorist coverage only applies when in their vehicle. However, this coverage can be more versatile than you might think.
Protection as a Pedestrian or Cyclist
Your uninsured motorist coverage protects you even when you’re not in your vehicle. This means:
- If you’re hit by an uninsured driver while walking, your coverage can apply.
- You may be covered if you’re struck by an uninsured motorist while riding your bicycle.
This extension of coverage is precious in urban areas where walking and cycling are common, like in Los Angeles. Your coverage might even apply to certain public transportation scenarios. For instance:
- If you’re injured in a bus accident caused by an uninsured driver
- If you’re in a taxi or rideshare vehicle hit by an uninsured motorist
Limitations and Considerations
While this coverage is broad, there are some limitations to keep in mind:
- Policy Specifics: Coverage can vary between insurance providers.
- Out-of-State Considerations: The rules may differ if you travel outside California, and some policies may have geographic limitations.
- Coverage Limits: Remember that your coverage is still subject to the limits specified in your policy, regardless of where the incident occurs.
- Timely Reporting: Even if you’re not in your car, promptly reporting any incident involving an uninsured motorist to your insurance company is required for coverage.
Have you been involved
in an accident?
(310) 526-8383
Will Making an Uninsured Motorist Claim Raise My Premiums?
This is a common concern for many drivers, but rest easy. California law specifically prohibits insurance companies from raising rates or canceling policies solely based on uninsured motorist claims where the policyholder was not at fault.
However, even if your premiums don’t increase immediately, some insurance companies may consider your claims history when renewing your policy. Your insurer can raise your insurance premiums if you have a history of multiple claims in a short period or share fault in the accident.
Consider Legal Assistance
Understanding uninsured motorist coverage is crucial for protecting yourself and your family on California roads. At Omega Law Group, we’re committed to helping you get the most for your accident, whether from the other driver’s policy or your policy. Contact us for a free consultation.
