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

Herb T. Testimonial

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

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

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...

Jereme S. Testimonial

No one wants to have to hire a lawyer, but if you do. I prefer Tiemann Law. They helped a family member who was injured on the job, and the company did not want to compensate him even though, the injury occurred on the job on company time. Jelena was always professional in explaining the lengthy process of fighting a large corporation. 2 years later he finally is receiving the deserved compensation.

Hanna Padilla Testimonial

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!