Uninsured Motorist Coverage in Fontana, California
Uninsured motorist coverage (UMC) and underinsured motorist coverage (UIM) are often included with an auto insurance plan to help provide coverage if you are in an accident with another driver who does not have appropriate liability coverage.
All Types Insurance Agency can help you get the right auto insurance coverage for your needs. Contact us today for a personalized quote.
What Does Uninsured Motorist Insurance Cover?
There are three main types of coverage associated with uninsured/underinsured motorist coverage, including the following:
- Uninsured motorist bodily injury (UMBI) insurance can help cover medical expenses for you and your passengers after a car accident with a driver who doesn’t have liability insurance or a hit-and-run accident where the other driver’s identity is unknown. Your UMBI limits are equal to your bodily injury liability insurance limits.
- Uninsured motorist property damage (UMPD) insurance can help pay to repair or replace your vehicle after a hit-and-run accident or an accident with an uninsured at-fault driver. In California, UMPD coverage has a limit of $3,500. If you have collision coverage, you may not need UMPD coverage.
- Underinsured motorist (UIM) insurance can provide limited coverage for bodily injury if the at-fault driver does not have enough liability coverage to pay for the damages.
Do I Need Uninsured Motorist Coverage?
Insurers offering coverage to California drivers must provide access to uninsured motorist coverage. You can choose not to purchase this coverage.
California drivers are required by law to carry minimum amounts of property and bodily injury liability coverage. However, many drivers choose not to purchase liability insurance or let their coverage lapse.
If you finance or lease a vehicle, the lender requires full coverage insurance in addition to California’s minimum liability insurance coverage. They may also require gap coverage and uninsured/underinsured motorist coverage.
If an uninsured driver causes an accident that damages your vehicle or causes bodily harm to you and your passengers, they could be held personally liable for damages. However, it could be difficult, time-consuming or even impossible to recoup those funds from the responsible party.
With uninsured motorist coverage, your insurer can help cover your medical expenses and damage to your vehicle up to the policy’s limits. They may choose to pursue compensation from the responsible party.
How to Get Uninsured Motorist Coverage
Contact All Types Insurance Agency in Fontana and Artesia, California, today to get a customized auto insurance policy, including uninsured motorist coverage, at a great rate.