Uninsured motorist (UM) coverage is a driver’s protection against the many people who drive without insurance in California. However, UM policies distinguish between uninsured motorist bodily injury (UMBI) and uninsured motorist property damage (UMPD).
Insuring Against the Uninsured
With UMBI, you are covered against medical expenses, lost wages and pain and suffering. Hit-and-run accidents often lead to UM claims when police are unable to find the hit-and-run driver. The limits to UMBI claims depend on the amount of coverage you choose to buy. When multiple people are in your vehicle, there are limits to the amount payable to each individual involved in the accident.
Minimum UM coverage may not pay for all medical expenses you incur, so it is always best to purchase the highest limit of UM coverage available that you can afford.
UM Property Damage Concerns
A car accident attorney will warn you about the many possible negative situations that can arise following an accident. UMPD is very useful when the other driver is at fault in an accident but either does not have insurance or does not have enough insurance to cover your property damage. Generally, hit-and-run accidents do not lead to UMPD claims unless you were able to either identify the hit-and-run driver or the license plate number of the hit-and-run vehicle.
If you have adequate UMPD, you should have coverage for the damage to your vehicle. In some cases, the coverage can extend to personal items like your personal computer or smartphone. An attorney may also try to collect on the personal assets of the uninsured, but this protection is the only way to ensure coverage in the event of an accident.
You will need the assistance of an experienced and reputable car accident attorney in Los Angeles when trying to make a claim on uninsured motorist coverage. Contact West Coast Trial Lawyers for full service following a car accident of any type. We can be reached at (888) 539-9582, or visit www.WestCoastTrialLawyers.com for further information.