Why it’s important to have UM/UIM coverage on your insurance policy

Insurance is one of those aspects of life that we overlook until we are required to purchase it and pay a monthly premium, or when we are gravely hurt in a motor vehicle accident and require it to cover medical expenses, lost earnings, and other losses. California, like all states, requires a minimum amount of liability coverage, ensuring coverage to at least compensate the innocent part in case of an accident.

Our Roseville car accident attorneys understand that this minimum amount is frequently insufficient to cover even the most minor of personal injuries. Therefore, it is critical for victims and their family members to protect themselves with a UM/UIM add-on to their car insurance policy.

Unfortunately, most motorists are unaware of this until it is too late to obtain coverage. At Accident Pros LLP, we go over every detail of an auto policy to identify any additional sources of insurance coverage that you may have. This is because most insurance companies and adjusters will conceal or deny benefits unless properly requested. Therefore, if you or a loved one has been gravely wounded in an auto accident, call us for a consultation to understand how we can assist you in protecting your legal rights under California law.

Protecting Yourself in California from Unfortunate Incidents!

While this may not seem equitable, there are ways to safeguard yourself and your family. This is accomplished by purchasing additional insurance to cover you in instances where another motorist carries only the bare minimum or none at all. Occasionally, while dealing with a hit-and-run driver, you may be able to rely on this coverage if the other car never came to a halt. Our Los Angeles automobile accident attorney suggests that everyone obtain an uninsured motorist policy (commonly known as UM) and underinsured motorist coverage (also known as UIM).

While UM and UIM policies are commonly combined, it is critical to understand what each is and how they work. The insurance add-ons do increase your monthly insurance premium charges, however, it is critical to remember that these supplementary insurances provide coverage for you and your family—not for third parties, in case the person that injures you isn’t adequately insured. This means that every premium you pay is protecting you for care, treatment, lost income, and pain and suffering due to the fault of another.

Importance of UM/UIM Coverage

The cliché goes that no one plans to be in a disaster, but you can have a plan if you are. Having additional insurance such as UM and UIM are excellent ways to plan for the possibility that your loved ones will be harmed in the event of a major or deadly auto accident.

Unfortunately, once an accident occurs, little can be done to restore the damage. Hopefully, you have UM or UIM coverage as in our experience, it seems to be that the worst drivers, especially in Los Angeles, either carry the bare minimum $15,000 insurance policy, or no policy whatsoever. They have nothing to lose and are irresponsible by nature, so why would they adequately insure themselves to compensate you for the destruction they cause?  You may refer to it as the “stupid tax”, where basically you have to pay for other people’s stupidity by protecting yourself through paying for the additional UM/UIM add-on to your own insurance policy.

Contact our experienced Los Angeles car accident attorneys at the Accident Pros LLP for a FREE consultation. You will learn how to have your medical bills, lost wages, pain and suffering, loss of consortium, and other damages paid during a FREE consultation.