If you obtain uninsured/underinsured motorist coverage and an uninsured or underinsured motorist hits you causing personal injury, you will be able to obtain coverage for up to the limits that you purchased.
Uninsured/underinsured motorist coverage can also protect you if you are the victim of a hit and run.
With the amount of people on the road in California that may be uninsured or underinsured, have UM Motorist Coverage makes sense. You can find out whether you have UM coverage by checking the declaration page of your insurance policy or if you cant understand it, fax it to my office and I will explain it to you!
Scott Hughes is a personal injury lawyer in Orange County, California practicing in State and Federal Court.