In my opinion, the most important aspect of any auto insurance policy is Uninsured Motorist Coverage (better to exceed $15K - get as much as you can). The number of people driving without insurance is staggering. I've seen too many cases involving clients that have been seriously hurt, but the responsible party has NO insurance, and my clients have nowhere else to turn! Uninsured motorist coverage usually covers "underinsured" motorist claims as well - situations when the other party did not have enough insurance to cover your losses.
Check your automobile coverage to see if you have Uninsured Motorist Coverage. Sometimes, it shows up as "UM Coverage" on your declarations page (the page your insurance company sends you which outlines the car insurance you have). It is important to get as much as you can afford. Check with your insurance professional and discuss your options. Sometimes, insurance companies fail to tell you about available UM coverage.
Also, if you make a claim pursuant to your UM coverage, your insurance company should treat you fairly and in very good faith since you are their direct client. That doesn't mean they have to buy every claim you present, and they may be skeptical at times. Remember, you are making a claim that needs to be proven as if you were bringing a claim against another insurance carrier.
by Robert Mansour
Robert Mansour is a personal injury lawyer serving Santa Clarita, Valencia, Saugus, Canyon Country, Newhall, Stevenson Ranch, Castaic and surrounding communities.