Los Angeles is home to some of the most congested and crash-prone roads in the country. But what happens if you’re hit by a driver who has Uninsured motorist coverage in California.
Unfortunately, California ranks among the top states for uninsured drivers. That’s where uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) come into play. Here’s what you need to know to protect yourself.
1. What Is Uninsured Motorist Coverage (UM)?
Uninsured Motorist (UM) coverage protects you if you’re injured in a car accident caused by a driver who:
- Has no insurance
- Flees the scene (hit-and-run)
- Is using an uninsured or stolen vehicle
Without UM, you may have to cover medical expenses, lost wages, and pain and suffering out of pocket — even though the accident wasn’t your fault.
2. What Is Underinsured Motorist Coverage (UIM)?
UIM kicks in when the at-fault driver has insurance, but not enough to cover your damages.
✅ Example:
If your total damages are $75,000, but the at-fault driver’s policy only covers $15,000 (the CA minimum), UIM helps cover the remaining $60,000 — up to your policy limits.
3. Is UM/UIM Required in California?
California does not require drivers to carry UM/UIM coverage — but insurers are required by law to offer it. If you decline it, you must do so in writing.
➡️ California Insurance Code §11580.2
Considering the number of uninsured drivers in LA, carrying this coverage is one of the smartest moves you can make.
4. What Does UM/UIM Coverage Include?
Depending on your policy, it can help pay for:
- Emergency room visits
- Hospital bills
- Physical therapy
- Lost income
- Funeral costs (in fatal crashes)
- Pain and suffering
- Vehicle damage (in some policies)
Always review your policy to see if property damage is included — not all UM/UIM policies cover it.
5. How Do You File a UM/UIM Claim?
After a crash, follow these steps:
- Call 911 and get medical help
- Document the accident scene
- File a police report
- Notify your insurance provider
- Request UM/UIM benefits
- Contact a car accident attorney to guide your claim
💡 Tip: Insurance companies may still try to minimize payouts, even when you’re filing with your own provider — legal support helps.
6. Why UM/UIM Is Critical in Los Angeles
Los Angeles has a high rate of uninsured drivers and frequent hit-and-runs. Even if you’re a safe, insured driver, you’re still at risk.
✅ Reasons you need UM/UIM in LA:
- High traffic volume = more chances of crashes
- Long delays in identifying hit-and-run suspects
- Medical bills can pile up fast
- Basic liability policies don’t go far in serious crashes
7. How Much Coverage Should You Have?
The California minimum is:
- $15,000 per person
- $30,000 per accident
But this often isn’t enough for serious injuries or hospital stays. Many experts recommend increasing your UM/UIM coverage to $100,000/$300,000 or higher.
8. Can You Still Sue an Uninsured Driver?
Yes — but collecting is another story. Most uninsured drivers don’t have the assets or income to pay a judgment, which is why UM/UIM coverage is often your best and most reliable option.
➡️ Contact a Los Angeles Car Accident Lawyer to explore your legal and insurance options.
Final Thoughts
Dealing with an uninsured or underinsured driver can be financially devastating — unless you’re prepared. By understanding and carrying uninsured motorist coverage in California, you protect yourself, your passengers, and your financial future.
Talk to your insurance provider today about your current policy. And if you’ve already been in an accident, a personal injury attorney can help ensure you get the compensation you deserve.