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 you do not yet have UIM coverage, we strongly recommend for you to contact your insurance agent to discuss adding this type of additional protection to your policy today.

On the other hand, if you have been involved in a motor vehicle accident and either yourself or your passengers have been injured, we strongly recommend for you to speak with an experienced attorney to discuss your claims. Making an insurance claim could be a tricky process to navigate, especially if there is uninsured motorist coverage involved. Insurance adjusters love nothing more to do than to take advantage of claimants that are not represented by counsel in order to low ball them, and to give them the lowest compensation for their claims.

If you or anyone you know has been injured due to an automobile accident, please contact the Law Firm of Rivers Morrell for a free consultation at (949) 305-1400 to discuss your claims and injuries.  We can help you get set up with the proper medical treatment, and help you with your insurance claims and any potential lawsuits that you may need to file.


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