Underinsured Motorist Insurance: What California Drivers Need to Know 

Underinsured motorist coverage is auto insurance that can help pay for your medical expenses, lost wages, and other damages if you’re involved in an accident with an at-fault driver whose insurance limits aren’t high enough to cover your costs.

California has a high number of uninsured and underinsured drivers on the road. If you’re hit by someone who doesn’t have enough insurance, you could be left paying out-of-pocket for your injuries or vehicle repairs.

How Does Underinsured Motorist Insurance Work?

Here’s how this coverage typically works:

• If you’re in an accident and the other driver is at fault but doesn’t have enough insurance, your underinsured motorist coverage can help pay for your damages.
• This coverage may apply to medical bills, lost income, and sometimes pain and suffering, depending on your policy.
• It’s often bundled with uninsured motorist coverage, which can provide coverage if the at-fault driver has no insurance.

Who Should Consider This Coverage?

We recommend underinsured motorist coverage to all California drivers, especially those in Modesto and the surrounding areas. It’s particularly important if you want peace of mind knowing you’re protected from the financial impact of an accident with an underinsured driver.

Ready to review your California auto insurance options or have questions about underinsured motorist coverage? Our team at Goal Auto Insurance Services Inc. is here to help. Contact us today to make sure you have the coverage you need.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.