California’s minimum mandatory liability insurance just isn’t enough if you’re injured by an uninsured driver. It does nothing to help you. You’re only protected if you’ve caused an accident, and that protection is for the benefit of the other driver. That’s why you want uninsured motorist coverage, and you’ll be surprised to learn how inexpensive it is.
Take a look around you when you’re on the road. At least 12 percent of the other drivers are virtually uninsured, and at least another 12 percent are underinsured and driving on minimum coverage. When you sign off on your auto insurance coverage, you’ll be given an option to include or decline uninsured and underinsured motorist coverage. Given the high percentage of uninsured and underinsured drivers in California, there’s no reason to decline it. Your underinsured motorist coverage will be packed into your uninsured motorist coverage. You want as much of this coverage as you can get.
Uninsured and underinsured motorist coverage not only protects you if you’re the driver or occupant of a motor vehicle who is injured as a result of the negligence of another driver. It might also protect residents of your household, especially when they’re family members. Coverage can extend to injuries when you or one of them is injured as a bicyclist or pedestrian, and it can also cover injuries suffered as the result of a hit-and-run driver.
Here at Express Financial & Insurance Services, we service Santa Monica, CA and the surrounding area. Don’t just drive on minimum liability coverage. It does nothing to protect you if you’re injured through the fault of an uninsured or underinsured driver. It does nothing to protect your family either. Express Financial & Insurance Services is an independent insurance agent. We can customize uninsured and underinsured motorist coverage for you.