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What are Uninsured Motorist (UM) and Underinsured Motorist (UIM) Coverages?

Posted by AgnewBrusavich | Mar 11, 2022 | 0 Comments

When you cause a traffic collision, the Liability Limits of your own insurance policy are available to resolve any claim against you.

What happens if you are injured by a motorist who flees the scene, has no insurance, or has the State of California minimum statutory limits of liability of only $15,000 per person injured and $30,000 where multiple people are hurt? This is where the UM or UIM coverage under your own policy comes into play entitling you to make a claim under your own policy.  This coverage could help with your medical bills, wage loss and pain and suffering damages.

Your UM coverage applies if the other driver has no insurance or flees the scene after striking you or your vehicle. Your UIM coverage comes into play if the person causing the crash has policy limits which are lower than your UM/UIM coverage. Southern California is the hit and run capital of the State and approximately 35% of those who are insured, are insured with the State's minimum coverage requirement of $15,000 per person coverage.

Very often your insurance agent will not stress the importance of UM/UIM coverage, perhaps because it is inexpensive and generates low commissions.  You should ensure that your UM/UIM coverages are equal to your liability limits to make sure you are protected in case you are injured by an uninsured or inadequately insured individual. Your UM/UIM coverage is available if you are struck while in your vehicle, riding a bicycle or simply walking or running as a pedestrian. To protect you and your family, you should purchase the highest policy limits you can afford for UM/UIM coverage.

Agnew Brusavich are experienced in obtaining full and fair compensation for our clients where their UM/UIM coverages are all they can turn to. Call us with any questions about your insurance status or to seek representation.

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