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Protect Yourself With Underinsured Motorist Coverage

We fight for the rights of consumers, most often against insurance companies and their legions.  Isn’t it ironic that we are suggesting that you protect yourself and your loved ones by buying more insurance?

UIM policyIronic or not, unfortunately California has a high number of uninsured automobile drivers.  Some estimate it to be 25%!  Even if a driver is insured, most people have the minimum coverage, which pays no more than $15,000 to an injured person.  That’s often not enough to cover the medical bills and wages lost due to an accident.  Sadly, we are often faced with the situation where an injured person is not adequately compensated because the driver at fault had no insurance or the minimum insurance.

You can protect yourself and your loved ones by making sure your automobile policy contains adequate uninsured and underinsured motorist coverage.  The coverage will pay if you suffer injuries worth more than the policy of the driver at fault.

How Underinsured Motorist Coverage and Uninsured Motorist Coverage Work

Your underinsured coverage only pays if you have coverage greater than the at-fault driver.  Let us explain by example:

Example 1:

Driver at fault has $15,000 of liability coverage.
Injured, innocent victim has $15,000 of uninsured/underinsured coverage.
Victim collects $15,000 from at-fault driver.  He can collect nothing from his own insurer, because he has the same limits as the driver at fault.

Example 2:

Driver at fault has $15,000 of liability coverage.
Injured, innocent victim has $100,000 of uninsured/underinsured coverage.
If injured, innocent victim collects $15,000 from at-fault driver, and he can collect up to $85,000 from his own insurer.

Protect Yourself

Protect yourself and your loved ones!  Make sure you have adequate uninsured and underinsured motorist coverage and, if you can afford it, make sure the limits will provide real protection to you and your family.  The added protection is relatively cheap.

To see what you have now, look for “UM” or “UIM” on your declarations page, and the amount next to it, such as $15,000/$30,000 or $100,000/$300,000.  The first dollar amount is the per person limit of your uninsured and underinsured motorist coverage.

If you are not sure how to read it, you can ask your agent or come in and ask us.  We would be happy to see you.

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Brown, Brown & Brown
Personal Injury Attorneys
23326 Hawthorne Blvd.
Suite 380
Torrance, CA 90505

Phone: 310-378-3733

Personal Injury Lawyers