Will My Car Insurance Cover Me If the At-Fault Driver Is Uninsured?

If drivers have UM/UIM (uninsured or underinsured motorist coverage), they can file claims with their own insurance companies in the event of a collision with an uninsured driver. UM/UIM coverage also applies if the tortfeasor (negligent driver) is underinsured. This issue is very common in California. The Golden State has one of the lowest auto… Continue reading Will My Car Insurance Cover Me If the At-Fault Driver Is Uninsured?

California Hit-and-Runs: Does Uninsured Motorist Insurance Provide Coverage?

In a word, yes. Generally, if compensation, or maximum compensation, is unavailable elsewhere, a driver’s UM/UIM (uninsured or underinsured motorist) policy applies. These policies are usually good investments. Premiums are usually low and coverage limits are usually high. Additionally, California has one of the highest percentages of uninsured drivers in the county. Moreover, the Golden… Continue reading California Hit-and-Runs: Does Uninsured Motorist Insurance Provide Coverage?

How to Handle Hit and Run Accidents?

Are you looking for guidance on how to handle a hit-and-run accident? It’s a scary and stressful situation that many people may not know how to handle. When another driver hits your vehicle and leaves without stopping to exchange information, it can feel overwhelming. But staying calm and knowing the right steps to take is… Continue reading How to Handle Hit and Run Accidents?

What is UIM Coverage and Why Should You Have It?

In the bustling highways and busy streets of California, ensuring your safety and financial security while driving is crucial. One way to safeguard yourself is by understanding Underinsured Motorist (UIM) coverage. With an estimated 17% of California drivers uninsured as of 2024 (According to Insurance Information Institute)—one of the highest rates in the nation—drivers face… Continue reading What is UIM Coverage and Why Should You Have It?

An uninsured motorist hit me. What happens next?

Many people blatantly ignore California’s mandatory auto insurance law. About one in six California drivers has no insurance. That’s one of the highest proportions in the country. Additionally, the Golden State has one of the lowest auto insurance minimum coverage requirements in the country. Since most drivers only but the minimum, an untold number of… Continue reading An uninsured motorist hit me. What happens next?