Every day, people are involved in auto accidents where the responsible party is either under insured or not insured altogether. California law requires that every person purchasing auto insurance in the State of California be given the opportunity of including uninsured/underinsured (UM/UIM) coverage in their insurance policy. In fact, California law requires that the insured specifically exclude this coverage from their policy by signing a separate form indicating their intent to exclude UM and UIM coverage and if the insured does not sign that specific form, they are automatically afforded UM/UIM coverage even though they did not pay for it.
UM and UIM coverage as well as Medical Payment are the least expensive parts of your insurance policy and they are the parts of the policy that protect and cover your physical well being. If you do not have these provisions as part of your insurance policy, call your agent or insurance company today and inquire how much $$$$$ these coverages cost. YOU WILL BE PLEASANTLY SURPRISED.
DO NOT BE TRICKED BY YOUR INSURANCE COMPANY OR INSURANCE AGENT TO EXCLUDE THIS COVERAGE FROM YOUR POLICY BECAUSE THEY CLAIM YOU DO NOT NEED IT. EVERYONE WHO HAS AN AUTO INSURANCE POLICY NEEDS THIS COVERAGE TO PROTECT THEMSELVES.
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