Do I really need uninsured motorist coverage in California?

California law does not require you to carry uninsured motorist (UM) or underinsured motorist (UIM) coverage so, legally, you don't need either one. However, UM/UIM is an important and commonsense coverage to carry.

US Legal Forms
Complaint for Recovery of Monies Paid and for Declaratory Judgment as...

Motorist Uninsured Accident For Bodily Injury In Riverside

Category:

Insurance - Complaints

State:

Multi-State

County:

Riverside

Control #:

US-000279

Format:

Instant download

Description

The Motorist Uninsured Accident for Bodily Injury in Riverside form is designed for individuals involved in accidents with uninsured motorists seeking recovery for bodily injuries. This form allows users to initiate a complaint and request a declaratory judgment regarding claims made against an uninsured motorist, focusing on the details of the accident, medical expenses, and the relevant insurance coverage. Key features include sections for detailing the parties involved, jurisdiction and venue, nature of the action, and general allegations related to the incident. Users are instructed to fill in specific information such as names, dates, and monetary claims relevant to their situation. This form is particularly useful for attorneys, partners, owners, associates, paralegals, and legal assistants who handle personal injury cases where an uninsured motorist is involved. They can utilize this form to efficiently structure claims and present necessary legal arguments in court. The straightforward format aids in clarifying the details, contributing to better case management and judicial processes.

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If this form requires notarization, complete it online through a secure video call—no need to meet a notary in person or wait for an appointment.

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FAQ

California law does not require you to carry uninsured motorist (UM) or underinsured motorist (UIM) coverage—so, legally, you don't need either one. However, UM/UIM is an important and commonsense coverage to carry.

The default UMC/UIM California insurers offer is typically: $30,000 for bodily injury coverage or death per person, and. $60,000 for total bodily injury or death per accident (to all people in the other vehicle combined), and. $15,000 for property damage.

I always recommend buying Uninsured Motorist coverage up to an equal amount with your third-party liability coverage, if you can afford it. This means, if you have $100,000 in liability coverage, you should buy $100,000 in Uninsured Motorist coverage.

California law requires that insurance companies offer uninsured motorist coverage. If you are in an accident with an uninsured driver, you can file a claim under your own policy's uninsured motorist coverage if you have it. You can also sue the uninsured driver for your damages.

With UIM coverage, you are typically protecting yourself against the negligent driver who has chosen to take out only the California minimum of $15,000. UIM coverage only kicks in once you make a claim and obtain the negligent driver's $15,000 of coverage.

If a driver hits your vehicle and flees, you can file a claim against your policy's uninsured motorist coverage. However, in some states, uninsured motorist coverage for property damage (UMPD) will not cover hit-and-run incidents.

In California, the statute of limitations for filing a UM / UIM claim is generally two years from the date of the accident.

Policy limits: Uninsured motorist coverage comes with limits, just like other insurance coverages. Severe accidents might exceed these limits, leaving you with uncovered expenses. Claim disputes: There might be disputes over the extent of your coverage and the amount you can claim, leading to potential legal battles.

It may be better to file a claim with your own insurance company if you have uninsured motorist coverage. Unless the at-fault driver is stable financially or has well-off parents or guardians and can afford to cover your damages in full, you may want to avoid the unnecessary trouble of suing.