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

Dawniel Ewing Testimonial
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I have nothing but great things to say about this firm. They have been extremely helpful and professional when dealing with my case. Anytime I needed anything or wanted to be updated they responded immediately. They made me feel like they cared. Highly recommend them!

Michael T. Testimonial
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I sat down and met with Jelena Tiemann about my vehicle accident.I presented all of my documentation to her in which she gave me her assessment.Although the Tiemann Law Firm wont be representing me because my settlement offer was pretty good she was very clear,forward and professional about what she felt could and couldn't be done.I recommend this law firm to anyone who needs a helping hand at fighting a case where you don't have to worry about the outcome not going in your favor. Please don't review this business if you received a freebie for writing this review, or if you're connected in any way to the owner or employees.

Herb T. Testimonial
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The Tiemanns were referred to me by a friend and I am exceptionally happy with the service I received. I had never been in an accident before. I had no idea what to do. Jelena verbally explained how everything would work to me, and she and Peter handled everything. I didn't have to lift a finger once. They went above and beyond for me and I am extremely grateful. I pray I won't ever need this type of assistance again, but I will definitely be referring them to friends and family.

Jennifer T. Testimonial
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I highly recommend The Tiemann Law Firm! I had never before been in a situation where I sustained injury and had to seek legal representation. I was nervous, traumatized, and had no idea what to expect. Jelena, Peter, and their staff walked me through each step of the process. They explained everything in detail. They patiently answered all my questions, responded quickly to every email, text message, phone call, etc. I felt totally prepared for each new phase of the legal process. Furthermore, they were fearless in their defense of me. In certain situations, when I felt attacked or scared my attorney protected me like I was family. Their diligence, honesty, integrity, and compassion provided a true sense of healing and closure for my family and I. The Tiemann Law Firm accomplished more for me than I ever thought possible and I am forever grateful.

S.B. Testimonial
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Here's the thing... Nobody really thinks much about lawyers until they need one.  Well, we needed one!  The Tieman Law Firm came through for us in a big way. They were professional, courteous, thorough, and had excellent staff as well.  Highly recommended...