Posted on Friday, September 11th, 2020 at 2:52 am    

Car insurance premiums can be expensive. However, to operate a vehicle in California, you are required to carry minimum car insurance coverage. You may purchase additional coverage if you desire, but you are not required to do so. Uninsured motorist coverage is optional, but that does not mean you should not have it.

What Are the Car Insurance Requirements in California?

Every driver in California must purchase liability insurance. Liability insurance compensates accident victims when a driver causes an accident. The insurance coverage does not pay you anything if you cause a car crash. However, it does protect you.

If you do not have enough liability car insurance to pay an injury claim, the accident victim can sue you and obtain a personal judgment for damages. Damages in a car accident can include, but are not limited to:

  • Medical bills
  • Lost income
  • Personal care costs
  • Pain and suffering
  • Permanent disabilities and impairments
  • Wrongful death benefits

Depending on the severity of the person’s injuries, the value of a car accident claim could total hundreds of thousands of dollars or more.

Minimum liability insurance for California drivers is $15,000 for the death or injury to one person ($30,000 per incident) and $5,000 for damage to property. Those amounts are very low when you consider surgery costs for a broken bone could exceed the minimum coverage without considering other damages.

If you can afford higher limits for liability insurance, you may want to consider increasing your coverage, especially if you have substantial assets or income that a person could pursue to collect a personal judgment.

What is Uninsured Motorist Coverage?

Uninsured motorist coverage protects you. Even though the law requires all drivers to have car insurance, many drivers choose to ignore the law. They may be unable to afford to pay for insurance coverage, or they may be driving without a license.

If you are involved in a car accident with an uninsured driver, you are responsible for your damages. Most people do not have sufficient resources to pay a personal judgment if they are not paying car insurance premiums.

However, if you have uninsured motorist coverage, your insurance company stands in the shoes of the at-fault driver. You can receive compensation for your damages and losses by filing an uninsured motorist insurance claim. You must prove that the other driver caused the accident, but once that is accomplished, you can receive compensation for your claim.

Uninsured motorist coverage is an optional coverage. Your insurance agent is required to offer the coverage, but you can decline it. If you declined uninsured motorist coverage, you have no protection if an uninsured driver causes an accident.

The cost of uninsured motorist coverage is usually much lower than the cost of liability insurance. Therefore, you may want to reconsider the coverage. If you have minimum uninsured motorist coverage, you may want to increase the coverage.

Do You Need Help with an Uninsured Motorist Claim? Contact a Sacramento Accident Lawyer for Help

Do not assume that your insurance company will treat you fairly if you file an uninsured motorist claim. You are dealing with an insurance adjuster instead of your insurance agent.

If you have questions or want to discuss your claim, call (916) 999-9000 now for a free consultation with one of our Sacramento uninsured motorist claims attorneys.

Client Testimonials

Hanna Padilla Testimonial
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From the very start of my case the Tiemann Law Firm was wonderful. Perter came all the way to my home to sit down and talk to me about my options. He made me and my partner feel very comfortable and promised us he would take the very best care of my case. Peter kept me informed every step of the way and was always on top of things. everything was done in a timely manor and I always felt like I was the only case he was working on because he was so fast. In the end Peter got me back way more money than I ever expected. I would recommend this law firm to everyone. I am very happy with the outcome of my case thanks to the Tiemann Law Firm! Thank you!

Star Fire Testimonial
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It is hard to put into words the care and dedication that I received from the Tiemann’s. They have been here for me every step of the way and were always available when I had questions or concerns. My husband and I will be forever grateful for everything they have done for us and our family. Thank you so much for all of the hard work and time you have put into my case, we greatly appreciate it and your friendship. We highly recommend this firm and will always be thankful for everything they have done. Thank you so much again, Kim

Maye Ly Testimonial
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I just saw my lawyer Jelena Tiemann on a t.v ad, which reminded me how much she helped when I was in a desperate situation. I just love her! That is why I feel a need to tell everyone. I had a situation that happened & didn’t know what to do, our where to go. I didn’t even know if she could help me or if any lawyer could. All I wanted was it to go away & was afraid most lawyers wanted to drag it out & possibly go to court. For one she was very professional but was very personable (maybe b.c she’s a lady). She didn’t make me feel embarrassed or self-conscious that I did something wrong or was the cause of the situation. She immediately said we should try our best before going to court. Let me handle some paperwork, if at the last we do go to court we have documents. She gave me all the details, pros and cons but reassured me she deals with these cases all the time. She came through and made it as painless as possible. I now have my life back.

Jennifer Birdseye Testimonial
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Tiemann Law Firm helped us with an injury case for my nephew. They were very knowledgeable and we are very happy with the service they provided. The entire staff is topnotch!

Elizabeth Ochoa Testimonial
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I chose Tiemann Law Firm to help me after a car accident I was involved in. Throughout the entire process, Moe made sure to keep me updated, he always responded quickly whenever  I had questions about anything. My case won thanks to this law firm and its dedication. My experience with Tiemann Law Firm was amazing! 10/10 recommended.