Uninsured Motorist Coverage Personal Injury Attorney

Is Uninsured Motorist Insurance Important?

Uninsured Motorist Insurance for your auto insurance policy was created for one reason: To protect you.

This is an important issue. The Insurance Research Council (IRC) estimates that 15% of motorists in California are uninsured. My own experience as a personal injury attorney tells me this is probably true.

This may be the result of people trying to cut expenses in this tight economy. They think the likelihood of getting into an auto accident is small, so they take the chance of going without insurance. This is in spite of the fact that auto insurance is required by law in California.

What happens when one of these people crashes their car into yours? You end up in the hospital facing medical bills and lost wages and most likely no chance of recovering any of these losses from the person that hit you.

What can you do to protect yourself? Be sure your own insurance policy includes uninsured motorist coverage with limits high enough to cover your damages, including damages for pain and suffering.

Uninsured motorist coverage comes into play when you are hit by an uninsured driver. When that happens, your own insurance company stands in for the uninsured motorist and takes on your claims, up to your policy limits.

In my practice, I have seen many people that don’t have this coverage. I have also seen many people that have the coverage but with very low limits. It is important to remember that this is insurance that benefits you. It’s like health insurance. It is worth the expense to get the coverage, although you may find that the cost is not that much.

Your insurance company representative may not stress the importance of getting uninsured motorist coverage. I’ve never understood why that is the case, since this coverage is so important.

I strongly recommend that if you don’t have this coverage with limits as high as you can reasonably afford, you look into it as soon as possible. You have liability insurance to pay others if you (God forbid) cause an accident. Why not have insurance to protect yourself against one of the 15% driving around without it?