Uninsured Motorist

The Importance of Uninsured Motorist Coverage


It is important that your car insurance policy covers losses caused by an uninsured motorist. If you do not have this coverage, and you are in a car accident in which the guilty party does not have car insurance, you may not be able to recover any compensation for your injuries. We highly recommend having this coverage.

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Woman: Can you explain to me uninsured motorist coverage? George: Uninsured motorist coverage. I can't tell you the amount of times that I've gotten a case, and the person that hit my client didn't have insurance, and how I had to turn them away because they didn't have uninsured motorist coverage. It is so important because uninsured motorist coverage what it does is it protects you against people that aren't following the law, and don't have insurance coverage on their own. Yet, they hit you anyway. So it's very important that you have uninsured motorist coverage because that protects you in case you're injured by somebody who doesn't have car insurance. Under insured motorist coverage is almost just as important, because let's say somebody hits you and they have minimum policy, you have under insured motorist coverage, basically increased the coverage that you have for your injuries to an amount that you've established, because you've been wise enough to get under insured motorist coverage. So two things you should do immediately upon hearing this, if you don't have it already, is get uninsured and under insured motorist coverage to protect you, because it's so important especially in California where a lot of people are driving without insurance to protect yourself, and this is something you can do to do that.