When someone is injured in a California car accident, the initial focus is on recovering from the physical and emotional injuries caused by the accident. However, once those heal, the financial stress of the accident begins to set in. Often, an accident victim has missed work and has mounting medical expenses that must be paid.
In the vast majority of car accident cases, one of the parties involved has car insurance that can provide compensation for a victim’s injuries. Indeed, under California law, all motorists are required to carry a certain amount of liability insurance to cover the costs of an injury that the driver causes. This mandatory coverage, however, does not necessarily cover the costs incurred by the insured if the at-fault driver does not have insurance. For that type of protection, uninsured motorist protection must be purchased.
Uninsured and Underinsured Motorist Protection
As noted above, the bare-bones insurance requirement in California does not mandate that a driver insures against an accident caused by an underinsured or uninsured motorist. However, all insurance companies are required to offer this type of insurance. Uninsured motorist insurance protects drivers and passengers in the event that the at-fault driver does not have insurance coverage or has inadequate coverage limits to fully compensate an accident victim for their injuries.