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.

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Accident With Uninsured Motorist In San Diego

Category:

Insurance - Complaints

State:

Multi-State

County:

San Diego

Control #:

US-000279

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Instant download

Description

This form for use in litigation against an insurance company for bad faith breach of contract. Adapt this model form to fit your needs and specific law. Not recommended for use by non-attorney.

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FAQ

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.

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.

Cons of UM/UIM Coverage One of the notable drawbacks of opting for UM/UIM coverage is the accompanying increase in insurance premiums. While this may seem like a financial trade-off, the peace of mind and the level of financial protection it offers in the face of unforeseen events often justify the higher costs.

Like UMC coverage, UIM coverage is a mandatory part of your car insurance policy in California unless you sign a written waiver. It is highly recommended since the minimum automobile insurance required in California is often too low to cover damages for all but minor fender benders.

The key difference between UMPD and collision coverage is that UMPD only covers damage to your vehicle caused by a driver with little or no insurance. In contrast, collision coverage applies to any damage to your vehicle caused by a collision with another vehicle or object, regardless of fault.

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.

Uninsured Motorist Coverage: Protects you when the accident is caused by someone without insurance. Covers medical expenses and vehicle repairs. Collision Coverage: Pays for your car repairs no matter who's at fault. Usually comes with a deductible.

Ing to the U.S. Department of Justice, personal injury lawsuit outcome statistics include a majority (90 to 95 percent) settled before trial. Out of the small percentage that end up seeing a courtroom, the data suggests that the success rate of personal injury cases is around half.

More info

If you sustained injuries in a traffic accident in San Diego, CA, we want to help. If you are ever in a similar position where an uninsured motorist causes your collision' call the Jurewitz Law Group at (888) 233-5020 for a consultation.Involved in an accident with an uninsured or underinsured driver in San Diego? Uninsured Driver Property Damage – This option covers the damages to your vehicle in an accident with an uninsured person. Call a San Diego uninsured car accident lawyer at Ben Crump Law, PLLC today at (844) 730-0233. Uninsured motorist insurance will also help cover your medical expenses in the event that you are injured in a car accident. Our San Diego car accident attorney can help. And you need the best chance at recovering all the compensation you deserve for your injuries. Not sure you have a case? Let our firm handle you underinsured and uninsured car accident cases!

Accident With Uninsured Motorist In San Diego

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