How Much Coverage Do I Need?
San Mateo California Uninsured Motorist Insurance Lawyer
The Importance of Uninsured Motorist Coverage
The short answer to the question, "How much uninsured motorist coverage should I carry?" is: as much as you can reasonably afford.
Critical Financial Protection Against the Most Negligent California Drivers
We offer this counsel because we know the pain and damage caused by uninsured and underinsured motorists in California — and by hit-and-run drivers. We want you to have recourse if such a terrible event should impact your family. Attorney Reuben J. Donig capably handles personal injury and wrongful death cases involving uninsured motorists, underinsured drivers and hit-and-run accidents.
Understanding the Value of Your Uninsured Motorist Coverage
The days of attentive insurance agents who explain what you are purchasing in detail are largely gone. Millions of auto insurance policies are purchased online, where price comparisons are readily available but clear explanations of what coverage you may need are rare.
Almost all auto insurance policies written in California provide uninsured motorist coverage of at least $30,000 per person and $60,000 if multiple people are injured. Many provide greater benefits; "UM" coverage at a $100,000/$300,000 level or greater is available, especially among those drivers who realize this may be their only way to recover medical costs.
More Coverage May Prove to Be an Excellent Investment
As with many forms of insurance, you hope you never have to file a claim. But the high costs of all forms of health care are well known. Other effects of a personal injury can impact you for decades or for the rest of your life. Experienced personal injury attorney Reuben J. Donig recommends that every California driver carry coverage of at least $100,000 per person and $300,000 aggregate (total per accident) — and if possible, $250,000 per person and $500,000 aggregate, especially for high wage earners.
At a minimum, your uninsured motorist coverage should match the level of financial protection provided to others by your liability auto insurance. To learn more, please review the articles and other information on our main personal injury Web site.
Our San Mateo, California, legal team is here to help if you have been injured in an accident — including accidents caused by an uninsured motorist, underinsured motorist or hit-and-run driver. Please call 650.489.0545 or 866.515.9229 for a free consultation on your case with lawyer Reuben J. Donig, or send an e-mail now.