The Importance of Substantial Uninsured/Underinsured Motorist Coverage
When another driver crashes into your vehicle, that driver’s auto insurance coverage should kick in and reimburse you for your medical bills, property damages, and other losses. California law requires drivers to carry liability insurance at all times to make sure that accident victims can receive the compensation they deserve. However, many drivers decide to let their insurance lapse, and they do not have the coverage needed to compensate accident victims. In addition, some people flee the scene of an accident, and you might never identify the driver to know which insurance coverage is applicable. To protect yourself in the event you are in a hit and run, or in a crash with a driver with inadequate insurance, it is essential to have uninsured/underinsured motorist (UM/UIM) coverage as part of…