Protect Yourself Against Uninsured Drivers

It is a law in the state of California that every driver must carry auto insurance. However, there are still many people who drive without it.  In fact, it is estimated that in 2009, nearly 15% of all California motorists were uninsured drivers.  And likely now, that number is even higher due to years of recession, economic downturn, and unemployment rates.  What does this mean for you, my customers? YOU NEED UNINSURED MOTORIST COVERAGE.

uninsured drivers

via Insurance Research Council

In California, many drivers carry only the state minimums for liability insurance. So if you are in an accident with someone who does not have insurance, or someone who does not have ENOUGH insurance, this coverage will pay medical bills for bodily injury for you and those inside your car. It is also available to cover lost wages, property damage (damage to your vehicle), and pain and suffering.

Uninsured motorist coverage is not required in California, but is relatively inexpensive (usually $10/month or less) and any good insurance agent will recommend that you carry it for your car or motorcycle insurance package. In fact, all insurance carriers in California require signed rejections if this coverage is declined.

To understand more about your California auto insurance policy, read here and here.  And as always, feel free to call me with concerns about uninsured drivers or any of your insurance needs.

Pavel (949) 436-0740

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