Hopefully you saw my last video about how 1 in 3 California drivers is either uninsured or underinsured and how the California minimum auto insurance limit is only a paltry $15,000. If you think this is as scary as I do, here is what you can do TODAY to protect yourself from uninsured and underinsured drivers.

I recommend to all of my clients who have auto insurance, regardless of income, that they carry a minimum of $100,000 of uninsured motorist coverage. Further, if they can afford it, and most people can because it is really only a few extra dollars a month, I recommend a minimum of $250,000 of uninsured motorist coverage. Uninsured motorist coverage (also referred to as underinsured motorist coverage) is meant to protect you in the event you are injured by an uninsured or underinsured driver.

In California, your uninsured motorist coverage will cover you for the difference between your coverage and that of the person who injured you. For instance, if you are injured by a driver carrying the minimum limits of $15,000 and you carry a $100,000 uninsured motorist policy, you can recover up to $85,000 (the difference between your coverage and theirs) from your uninsured motorist coverage after recovering $15,000 from the other driver.

Surprisingly, this extra coverage only runs you a few extra dollars a month. The bulk of what most people pay for auto insurance is related to coverage for their vehicle, not their body. We spend more money protecting our cars than our health – this seems a little crazy if you ask me. Add better uninsured motorist coverage to your policy today. It is more than worth it considering the large percentage of uninsured and underinsured drivers in California.

If you have any questions about a particular personal injury case, please submit your case for review.

This video and accompanying text is not intended to be a source of legal advice for any purpose. Prior results do not guarantee a similar outcome. The information in this video and text does not constitute a guarantee, warranty or prediction regarding the outcome of your case.

Accident Client

“Last March, my partner was struck by a vehicle while crossing the street. During this difficult time of healing, we knew that bills were going to pile up and his was going to be a long process. After looking at multiple law firms, we knew that Sally Morin Personal Injury Lawyers was going to be the best place to work with. Lauren and her team were patient, supportive and caring during his difficult time. His schedule was always busy with work and doctor appointments that his main source of communication was through email. Lauren and her team made it to where he didn’t have to worry about anything but just sending over the paper work he got from the hospital, and other bill collectors involving his incident and they worried about the rest.

Because of all their help my partner Aaron, was able to heal with less worries on his shoulders. By end of December, everything was settled and we were pleased with the results. I’d like to give a huge thank you to Lauren & the Sally Morin team. If you’re looking for a law firm for your incident, I’d definitely look at this law firm.”

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After an injury, contact the attorneys at Sally Morin Personal Injury Lawyers. We handle many areas of the law, including pedestrian and car accidents that involve speeding. We believe you should be able to focus on recovering while we handle the legal details.

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KNOW HOW TO PROTECT YOURSELF AFTER AN ACCIDENT

It is essential to know your rights after a traffic accident so you can protect yourself and the value of your claim.
This guide will help you:

  • 1Know what to do when dealing with insurance claims, police reports and lawyers.
  • 2Avoid making mistakes that undermine the value of your claim
  • 3Put yourself in a position to get the best settlement possible