As used in this section, “uninsured motor vehicle” means a motor vehicle with respect to the ownership, maintenance or use of which there is no bodily injury liability insurance or bond applicable at the time of the accident, or there is the applicable insurance or bond but the company writing the insurance or bond denies coverage thereunder or refuses to admit coverage thereunder except conditionally or with . California law requires you to have this coverage. See pages 6–7. Uninsured/Underinsured Motorist Coverage is for accidents when the other driver is at fault and does not have insurance or does not have enough insurance. Bodily injury coverage pays medical expenses for you and passengers. · California requires drivers to show proof of financial responsibility if requested at an accident scene or by police. Driving an uninsured car or a vehicle without proof of financial responsibility is a criminal offense. The uninsured driver could receive a ticket for the offense and face license suspension for up to four years.5/5(1).
In California, every automobile insurance policy must include uninsured motorist coverage unless the insured waives the coverage in writing. It protects you when driving a car and you are injured by an uninsured driver or a hit and run driver. It also protects you if you are a pedestrian or bicyclist and are hit by an uninsured driver or hit and run driver. Uninsured / under-insured motorist (UM/UIM) coverage is optional insurance coverage that can be added to an auto insurance policy in California. UMC/UIM coverage pays when another driver is at fault but either has no insurance at all, or does not carry enough insurance to cover the injured party’s medical bills and other losses. When the at-fault driver is uninsured, they may even look to your own auto policy's coverage for reimbursement so you are not "double-dipping". Uninsured Motorist Coverage Uninsured Motorist Coverage (UM) is not required in California, but many people carry it and it is a wise investment.
Liability Coverage is for accidents that are your fault. California law requires you to have this coverage. See pages 6–7. Uninsured/Underinsured Motorist. Hit by an uninsured motorist in California? Call The Reeves Law Group now, and get compensated for your injuries: () Mar The state may charge you a fine of $1,, impound your vehicle or even suspend your driving privileges for up to four years if you're a repeat.
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