November 2, 2008
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Reader’s Question:
Am I required to purchase uninsured motorist coverage in Los Angeles California?
Francis
Los Angeles CA
No, you are not required to purchase uninsured motorist coverage in Los Angeles California. The state of California require car insurance providers to offer Uninsured and Underinsured (UM/UIM) coverages with every car insurance policy. Policyholders may choose to add it on their car insurance policy or reject the extra coverages.
In the state of California Uninsured and Underinsured (UM/UIM) coverages provide liability insurance when the driver at fault does not have the state required minimum liability coverage, or the minimum liability coverage is not enough to cover the injuries received in the accident. Uninsured motorist property damage covers possible reimbursement for damages your automobile sustains.
The minimum liability limits of car insurance in the state of California is $15,000 of bodily injury for injury or death per person up to $30,000 per accident and Property Damage of $5,000 for any one accident.
Tags: auto insurance, car insurance
Tag: car insurance quotes