Uninsured & Underinsured Motorist Coverage
Not Every Driver is a Responsible Driver
Uninsured and underinsured motorist coverage helps protect you when an at-fault driver has no insurance or not enough to cover your injuries. It steps in where the other driver’s coverage falls short and often applies to hit-and-run injuries. In California insurers must offer it, though you may reject it in writing.
It's Important to be Prepared for Everything
What does it cover?
- Uninsured motorist bodily injury: may help with your injuries when the at-fault driver has no coverage.
- Underinsured motorist: may help when the at-fault driver’s limits are too low.
- Uninsured motorist property damage: in California, may help with damage to your car in limited situations, subject to policy terms.
Who needs it? With many drivers on California roads carrying only minimum limits, or none at all, this coverage helps fill the gap. It may be especially valuable in a hit-and-run or when the other driver cannot be found.
