What Happens if You’re Hit by an Uninsured/Underinsured Driver in California?

Western Republic Insurance Services has essential information regarding uninsured/underinsured motorist coverage if you’re a driver in the Huntington Beach, CA area.

California has some of the most stringent laws in the country regarding protecting drivers from being hit by an uninsured or underinsured driver. If you’re hit by one of these drivers and suffer a severe injury, you may be entitled to compensation.

However, the amount of compensation you receive often depends on the circumstances of your accident and the extent of your injuries. Many people involved in these accidents have to pay out-of-pocket for medical bills and other expenses, even though they were not at fault.

Who is considered an underinsured/uninsured driver?

According to California law, all drivers must show financial responsibility if they are involved in an accident. The most common way to prove financial responsibility is insurance. However, some drivers find ways to skirt the law intentionally or accidentally.

Those who continue to drive with a policy under the legally-required value are considered underinsured. Those who have no form of financial responsibility are considered uninsured.

How will my needs be met if an uninsured/underinsured driver hits me?

Regarding auto insurance in California, your insurance company is obligated to offer you coverage for uninsured/underinsured motorist (UM/UIM) benefits. To turn down that coverage, you would have to sign a waiver stating that you know the risks involved.

UM/UIM coverage pays for your medical expenses and can provide you with replacement costs for your vehicle and its contents. It’s the only sure way to protect yourself in this situation.

Western Republic Insurance Services proudly offers Huntington Beach, CA the right auto insurance coverage at affordable rates. Please get in touch with us today to find out more!