{"id":7719,"date":"2025-03-24T15:15:14","date_gmt":"2025-03-24T15:15:14","guid":{"rendered":"https:\/\/www.costulessdirect.com\/blog\/?p=7719"},"modified":"2025-03-24T15:15:14","modified_gmt":"2025-03-24T15:15:14","slug":"uninsured-motorist-coverage-california","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/uninsured-motorist-coverage-california\/","title":{"rendered":"Why Uninsured Motorist Coverage is Essential for Drivers in California"},"content":{"rendered":"\n

What happens if you’re injured in a car accident caused by a driver without insurance? Despite California\u2019s car insurance<\/a> requirements, around 17% of drivers\u2014roughly one in six\u2014are uninsured. Others carry only the minimum coverage, which may not be enough to cover accident-related costs. If you’re hit by one of these drivers, you could end up paying out of pocket for medical expenses and vehicle repairs. <\/p>\n\n\n\n

Uninsured motorist coverage in California offers extra financial protection in these situations. Having the right coverage can help prevent unexpected expenses after an accident with an uninsured or underinsured driver. <\/p>\n\n\n\n

Navigating Uninsured Motorist Coverage in California <\/h2>\n\n\n\n

You are on your way to pick up your child from school when the unthinkable happens – you are suddenly hit by a driver running a red light. It\u2019s a scary event and your first thoughts are a jumble, especially if you are injured. Later, after the dust has settled, you find out the driver who hit you doesn\u2019t have the necessary insurance to pay for your car repairs and medical bills. Of course, you can take them to court but that takes time and if they have no assets, you may end up with nothing. Uninsured motorist coverage is an affordable protection in a situation like this, and will help you get back on the road. <\/p>\n\n\n\n

Uninsured\/underinsured motorist (UM\/UIM) coverage reimburses you for injuries, property damage, and other bills when another driver is at fault but doesn\u2019t have insurance or doesn\u2019t have a policy big enough to cover your medical bills and other losses. It also covers accidents in which an at-fault driver flees the scene in a hit-and-run and cannot be found. <\/p>\n\n\n\n

Depending on your policy, you may be able to collect compensation for medical payments, lost wages, car repair bills, pain and suffering, and other losses. <\/p>\n\n\n\n

State Requirements and Policy Options <\/h2>\n\n\n\n

Auto insurance (referred to as financial responsibility) is required on all vehicles operated in California. At a minimum, drivers are required to have the following liability coverage. <\/p>\n\n\n\n