Uninsured motorist insurance in California covers your expenses after an accident caused by a driver who does not have car insurance. In California, uninsured motorist insurance (UM) also includes underinsured motorist insurance (UIM), so you are covered for accidents with drivers who have some insurance but not enough. UM/UIM insurance is only applicable if you are not at fault and will only pay up to your policy’s limits.
California does not require uninsured motorist coverage, but it can still be a useful type of coverage to have. If you do not have personal injury protection or MedPay to cover your own medical costs, or if you do not have collision or comprehensive insurance to cover damage to your property, uninsured motorist coverage can help keep your finances safe if you’re hit by an uninsured or underinsured driver.
What Uninsured Motorist Insurance Covers in California
Medical expenses for you and your passengers
Damage to your vehicle or your other property
Loss of income
Accidents with drivers who do not have enough coverage (underinsured)
Drivers in California need $15,000 of bodily injury liability insurance per person (up to $30,000 per accident) and $5,000 of property damage liability insurance. Collision, comprehensive and gap insurance may also be required by a lender or lessor if your vehicle is financed.
In addition, an optional but recommended type of coverage in California is … read full answeruninsured/underinsured motorist insurance. It replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
Here’s How Much Car Insurance Drivers Need in California:
Minimum Coverage Limit
Bodily Injury Liability Coverage (per person)
Bodily Injury Liability Coverage (per accident)
Property Damage Liability
If you lease or finance your car, you may be required to carry coverage types that are not mandatory under California law. Lenders or lessors usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. Lenders may also require gap insurance, which covers the difference between what you owe on your loan or lease and what the vehicle is worth if it has been stolen or totaled.
Even if you’re not required to carry these optional coverage types, you may still need them. You can learn more about when to drop optional coverage and the penalties for driving without insurance in California to make sure you’re paying for the coverage you need.
Uninsured motorist coverage costs around $50-$75 annually for bodily injury and property damage coverage. Uninsured motorist coverage (UM) protects the policyholder by paying for injuries or damage resulting from a car accident caused by a driver who doesn’t have enough insurance.
Like any type of car insurance, uninsured motorist premiums vary based on the policyholder’s risk factors. How much coverage you purchase will also affect the cost of UM. Similarly, uninsured motorist premiums are higher in states with more uninsured drivers because of the additional risk.… read full answer
Even if uninsured motorist coverage is not required in your state, it is an inexpensive coverage option that might be worth it depending on your circumstances.
No, you do not need uninsured motorist property damage insurance in California – it is optional. California law requires car insurance companies to offer you $3,500 in uninsured motorist property damage (UMPD) coverage, but you can reject it.
Even though it’s not required, UMPD is a good investment for drivers who want to avoid paying out of pocket to fix their car after an accident caused by an uninsured or underinsured motorist. However, UMPD is similar to … read full answercollision insurance, which pays to fix your car after any accident you’re in. So, if you already have collision coverage, you do not need UMPD.
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