Underinsured Motorist Coverage in California

What Should You Do if the At-Fault Driver Doesn't Have Enough Insurance?

California law requires that all drivers purchase and maintain a certain amount of insurance to be allowed to own a car. The minimum liability coverage required by the state is $15,000 for the injury or death of one person, $30,000 for the injury or death of two or more people, and $5,000 for property damage. Your insurance company will send you a proof of insurance card that you will need to keep with you at all times while driving, and it will notify the DMV of your coverage. If you are pulled over while driving without insurance, your vehicle may be impounded and your license suspended.

Call us at (619) 215-1488 to speak with a San Diego car accident lawyer today.

Unfortunately, many car accidents result in far greater damages than the minimum required insurance can cover. You have a few options for how to proceed when the other driver or drivers were the ones at fault, including filing a lawsuit to secure compensation for your damages. At The McClellan Law Firm, our San Diego car accident attorneys have recovered hundreds of millions of dollars in settlements and verdicts for our clients. Contact us today to discuss your claim.

What is Underinsured / Uninsured Motorist Coverage?

A lawsuit isn’t your only option if you’re involved in a car accident with an underinsured or uninsured motorist. California insurance companies offer Uninsured Motorist Coverage (UMC), which includes Underinsured Motorist Coverage (UIM). This coverage provides you some protection when the insurance of the person who caused the collision is inadequate or non-existent.

  • Uninsured Motorist Property Damage (UMPD): This coverage will pay for property damage, such as damage to your vehicle, caused by an at-fault driver who does not have insurance or does not have enough insurance.
  • Uninsured Motorist Bodily Injury (UMBI): This coverage will pay for injuries to you and any passengers in your car caused by an at-fault driver, who does not have any insurance.
  • Underinsured Motorist (UIM): This coverage is for damages caused by an at-fault driver whose insurance is inadequate to cover all of your damages.

Even if you do have this added coverage, you still need to prove to the insurance companies that the other driver or drivers were at fault, which can require legal assistance depending on how much they attempt to fight you on your claim.

Fill out our online consultation form to request your free case review.

Hire an Attorney Today

Hiring a qualified car accident lawyers will put you in the best position to succeed whether you’re seeking to file a lawsuit to recover the compensation you deserve or negotiating a settlement with the insurance company. Craig McClellan of The McClellan Law Firm has secured more than 120 settlements and verdicts of more than $1 million each. The firm is dedicated to assisting injured motorists in need of help. Fill out our online form to begin your free consultation process, or give us a call at (619) 215-1488 to speak with a San Diego car accident lawyer today.


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