In California, the law requires that all drivers have liability insurance. However, unfortunately, this does not always prevent some drivers from driving without insurance coverage. In fact, according to the Insurance Information Institute, 15.2% of all California drivers do not have car insurance. This number becomes problematic if these drivers are involved in a car accident, especially if someone is harmed in the accident.
Uninsured and Underinsured Motorist Coverage
Uninsured/Underinsured motorist coverage is optional coverage you can add to your personal car insurance plan. This type of coverage is not required in the state of California, but it can be very helpful. Uninsured motorist coverage simply means that if you are injured in an accident caused by a driver without insurance, your own insurance will help cover the damages incurred by you and your passengers, up to your policy limits.