Why You Should Look at Your Insurance Policy to Make Sure You Have UIM/UM Coverage

After an accident, the last thing you want to discover is that the person who hit you does not have enough insurance to cover your injuries. While California does require drivers to carry minimum levels of insurance, if your injuries are serious, the required insurance limits may not cover all of your medical bills. Moreover, the reality is that even though it is the law to carry insurance in California, some drivers have no insurance at all. Both Underinsured (UIM) and Uninsured Motors (UM) may help you in these instances. 

If the at-fault driver only carries the legally required minimums of insurance, Underinsured Motorist Coverage (UIM) will help make up the difference, up to your policy limits. Uninsured Motorist coverage (UM) will cover you, up to your policy limits, if the at-fault driver has no insurance. Both Uninsured Motorist and Underinsured Motorist coverage will help pay for your medical bills, lost wages, and pain and suffering. Of course, simply having the insurance does not mean your insurance company will automatically pay you the policy amount, and so it is important to have an attorney fight for the full amount of recovery to which you are entitled.