Do You Have Enough Coverage for Uninsured Drivers in Riverside?

Drivers in Compton, CA may encounter motorists who carry little or no insurance. TruValue Insurance & Tax Agency helps explain how uninsured motorist coverage (UM) can help with costs related to qualifying accidents.

Understanding the Risk in California

Some drivers on the road carry little to no insurance. If you are hit by one of them, you may be responsible for covering your own repair and medical costs. UM and underinsured motorist (UIM) coverage are distinct, and either may apply when an at-fault driver cannot fully cover the damage they caused.

Why Drivers Need Extra Coverage

California auto policies include these coverages, and you may choose to reject them in writing; however, it’s recommended to keep them. When UM/UIM coverage is included in your auto insurance policy, you are essentially covering yourself against the negligence of others. This coverage can help manage:

• Medical expenses for you and your passengers following a collision
• Lost wages if your injuries prevent you from returning to work
• Compensation for pain and suffering
• Property damage to your vehicle, depending on the policy options

Without adequate UM/UIM limits, recovering these costs may require lengthy legal action against a driver who lacks the assets to pay a judgment.

How Much UM/UIM Coverage Do You Need?

California sets minimum UM/UIM limits, but those amounts may not be enough after a serious accident. Your coverage needs can vary based on factors such as:

• Your current income and how long an injury may keep you out of work.
• The value of your vehicle and estimated repair or replacement costs.
• The cost of medical care in your area.

Selecting limits above the state minimum may give you more room to recover qualifying costs.

Our Team Supports You

We can guide you towards suitable coverage options. Contact TruValue Insurance & Tax Agency today to discuss your auto insurance needs and get a free custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.