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What Should You Know About Uninsured And Underinsured Motorists Coverage?

When car accidents in San Mateo involve uninsured or underinsured motorists, these accident cases work differently than cases in which the insurance company holds an another driver liable. Auto liability insurance covers the damages to another motorist’s car, but not your bodily injury damages or car damages when involved in an auto accident. If everyone carried auto liability insurance, this would work out well. However, many motorists are uninsured or their policy limits are not adequate to cover the other driver’s accident damages — in other words, they are underinsured.

To resolve this problem, the California legislature passed California Insurance Code section 11580.2, which requires insurance companies to include uninsured motorist (UIM) and underinsured motorist (UM) coverage in every liability insurance policy. However, policyholders and insurance companies in agreement with waiving UIM and UM coverage may do so. In a regular accident case, in which the other driver has liability insurance, your insurance company defends your rights and seeks to prove the other driver was at fault. However, when the other driver is uninsured or underinsured, the tables turn. Your claim with your insurance company is for it to pay you based on your UIM/UM coverage. Typically, the insurer is more interested in showing that you were at fault, instead of the other driver. If you are 100 percent at fault, the insurance company does not have to pay for damages.

By working with a San Mateo auto accident firm, work with a skilled advocate on who will defend your rights in an accident involving an uninsured or underinsured motorist. Sarrail, Castillo & Hall, LLP has decades of experience and offers a free consultation to discuss your car accident.

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