Posted on Friday, February 26th, 2016 at 12:07 am    

If you ask most people, they would say liability insurance is the most important type of automobile insurance coverage you should carry to protect yourself in an accident. While this is true if you cause the accident, it is not necessarily the case if you are the victim of another driver’s reckless, negligence, or careless driving. Uninsured and underinsured motorist coverage is the most important insurance coverage you can have if you are in a motor vehicle accident caused by another driver.

Why is Underinsured and Uninsured Motorist Coverage So Important?

In California, all drives are required to carry a minimum amount of liability insurance to drive legally in our state. The minimum liability insurance coverage required in California is currently:

  • $15,000 for the death or injury to one person
  • $30,000 for the death or injury to more than one person
  • $5,000 for damage to property

These minimum amounts will not begin to cover all of your damages in the event of a catastrophic injury. Even in a minor vehicle accident, damages can quickly exceed the minimum amount of $15,000. Furthermore, almost 25% of drivers in California do not have any automobile insurance at all. This makes having uninsured and underinsured motorist coverage essential for all drivers.

If a driver with no insurance or inadequate insurance causes a crash, your uninsured or underinsured motorist coverage will compensate your for your losses up to your policy limits. Underinsured and uninsured motorist coverage is typically inexpensive given the protection it provides.

Another type of insurance you should consider is PIP or Med pay. This type of insurance generally covers expenses that most health insurance policies do not cover. PIP and Med pay helps you pay for medications, insurance deductibles, co-pays, and chiropractic treatment.

If you can afford it, an umbrella policy affords you the most protection. Umbrella policies cost very little but extend your insurance coverage by millions of dollars. Also, ask your insurance company if the umbrella policy extends your uninsured and underinsured coverage. This can be extremely important if you and your family are involved in an automobile accident and suffer serious or disabling injuries. If you require long-term personal care and/or medical care, your damages could easily reach into the millions of dollars. The more insurance coverage you have, the better chance you have of receiving sufficient compensation to pay all of your damages and expenses from an automobile accident.

Have You Been Injured in an Automobile Accident?

Contact the car accident attorneys of the Tiemann Law Firm to schedule a free case evaluation. You are not required to pay any attorney fees or costs until and unless we win a settlement for you.

You can contact us online, call our office at (916) 999-9000, or chat with a representative on our website. Let our office take care of handling your vehicle accident claim while you focus on your health, your recovery, and your family.

Client Testimonials

Hanna Padilla Testimonial
Quote

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
Quote

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
Quote

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
Quote

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
Quote

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.