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The Value of Uninsured Motorist Coverage or UIM

What is the value of uninsured motorist coverage or UIM in Los Angeles, LA and Orange County California?  I recently had a friend call me to discuss a recent motor vehicle accident he had been involved in. While driving along the 405 freeway in the city of Costa Mesa, he was struck from behind out of nowhere. He pulled over to the side of the freeway, as did the driver that struck him from behind. However, and unbeknownst to him, another driver had struck the driver in back of him, which ultimately caused the collision. This was later verified by another independent witness that pulled over to confirm. Lucky for my friend, he had Uninsured Motorist Coverage (UIM) under his automobile insurance policy which would cover this type of “hit and run” accident. Without this optional UIM coverage under his policy, it may be likely that he would not be

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The Value of Uninsured Motorist Coverage (UIM)

In California, there are laws requiring all drivers to have minimum automobile insurance coverage with limits for $15,000/$30,000. Unfortunately, there are many drivers in the state that drive without the necessary insurance coverage. If you are hit by a driver without insurance, or if you are struck by a “hit and run” driver, in most cases you will be out of luck and will not have insurance coverage to compensate you for your losses. The Uninsured Motorist Coverage (UIM) of your own auto policy will provide valuable relief. Uninsured Motorist coverage can provide protection in both of the above scenarios where the other driver either does not have insurance, or if you have been struck by a hit and run driver that cannot be identified and located. In a big state like California, with many uninsured drivers on the roads driving hazardously, the importance of UIM coverage cannot be understated. If

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