What is the Benefit of Having Uninsured / Underinsured Motorists (UIM / UM) Coverage?Even though California law says that every driver should carry at least some auto insurance, in reality, there are thousands of drivers in the Los Angeles metro area who are not insured at all.

In addition, thousands more only carry the bare minimum insurance. What this means to you is, if you are injured in a car accident and the driver is uninsured, there will be no auto liability insurance money to help pay for your bills, medical expenses, car repairs, rental car, or other expenses.

Due to the many uninsured and underinsured drivers out there, virtually every California accident lawyer will recommend that you carry a significant amount of uninsured motorist (UM) and underinsured motorist (UIM) protection insurance. By purchasing these policies—which often only cost a few dollars a month—you  and your Los Angeles Accident Attorney will have a policy to pursue compensation for your injuries if a driver with no insurance (or little insurance) hits you.

If the accident was the other driver’s fault, then the at-fault driver’s insurance likely would be the policy in line to compensate you for your injuries. However, if the at-fault driver is not insured or only carries his/her own insurance as mandated by California law, you are out of luck unless you carry UM and UIM insurance.

With UM and UIM insurance, claims that exceed the at-fault driver’s insurance will be covered up to the limits of your UM/UIM policy. Often, UM/UIM policies are one of the only coverages available when an accident is caused by an uninsured or underinsured driver.

 *        *         *

Axis Legal Counsel represents victims of numerous types of personal injury accidents and injuries, including car or auto/vehicle accidents, bicycle accidents, trucks accidents, school bus accidents,  premises liability, slip-and-falls, products liability, catastrophic injuries, wrongful death, motorcycle accidents, or other personal injury accidents.

For information on retaining Axis Legal Counsel to represent you or a loved one with any accident or injury, contact info@axislegalca.com or call (213) 403-0130 for a confidential consultation.